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Downriver Community Federal Credit Union Rates

Loan Rates
Mortgage Rates
Home Equity Rates
Savings Rates


Loan Rates

Credit Cards
Effective Date: Tuesday, March 19th, 2024
NameAPR as low as*
VISA Gold 10.99%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.

MyMoney Loan
Effective Date: Tuesday, March 19th, 2024
NameAPR as low as*
Share-Secured 5.00%
Certificate of Deposit-Secured 5.00%
Hi-Yield Savings-Secured 5.00%
* APR = Annual Percentage Rate. Rates subject to change.

Personal Unsecured Loans:
Effective Date: Tuesday, March 19th, 2024
NameAPR as low as*
Variable Line of Credit 10.50%
Closed-End 11.00%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.


Auto Loans:
Effective Date: Tuesday, March 19th, 2024
TermAPR as low as*
NEW - up to 84 months 6.75%
USED - up to 60 months 7.75%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.

Motorcycle Loans:
Effective Date: Tuesday, March 19th, 2024
TermAPR as low as*
NEW (up to 60 months) 8.50%
NEW (up to 72 months) 9.50%
USED (up to 48 months) 9.50%
USED (up to 60 months) 10.50%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.

Recreational Vehicle Loans
Effective Date: Tuesday, March 19th, 2024
NameTermAPR as low as*
New RV up to 60 months 5.90%
New RV up to 120 months* 6.50%
USED RV up to 60 months 6.55%
USED RV up to 120 months* 7.80%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score. Loan terms greater than 60 months require a minimum loan amount of $10,000.
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Home Equity Rates


Home Equity Line of Credit Rates
Effective Date: Tuesday, March 19th, 2024
NameAPR as low as*
Home Equity Line of Credit 8.50%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.

Fixed Rate Home Equity Loan
Effective Date: Tuesday, March 19th, 2024
NameTermRateFee
Fixed Rate Home Equity Loan 10-Year 9.50% (APR) $500.00
Fixed Rate Home Equity Loan 15-Year 11.00% (APR) $500.00
* APR = Annual Percentage Rate. Approval subject to 80% Loan-to-Value (LTV) and minimum credit score requirements. $500 fee covers underwriting and appraisal costs.

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Savings Rates

Share Rates
Effective Date: Tuesday, March 19th, 2024
NameRate (APR*)APY**
Prime Share Savings ($0 - $24,999) 0.10% 0.15%
Prime Share Savings ($25,000 to $99,999) 0.15% 0.20%
Prime Share Savings ($100,000 or more) 0.20% 0.25%
Special Savings 0.02% 0.02%
Christmas Club 0.10% 0.10%
High-Yield Savings ($0 - $24,999) 0.20% 0.25%
High-Yield Savings ($25,000 to $99,999) 0.40% 0.50%
High-Yield Savings ($100,000 or more) 0.60% 0.75%
Checking Account ($0 to $4,999) 0.00% 0.00%
Checking Account ($5,000 or more) 0.00% 0.00%
Business Builder Checking 0.00% 0.00%
Business Buider High-Yield Savings 0.20% 0.25%
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates are as low as and subject to change without notice.

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Share Certificate
Effective Date: Tuesday, March 19th, 2024
TermMin. Amt.RateAPY*
6 month $2,000.00 1.49% 1.50% APY
12 month $2,000.00 1.98% 2.00% APY
24 month $2,000.00 2.96% 3.00% APY
36 month $2,000.00 2.23% 2.25% APY
48 month $2,000.00 2.47% 2.50% APY
60 month $2,000.00 2.71% 2.75% APY
*APY = Annual Percentage Yield.

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*APR refers to Annual Percentage Rate. Your individual rate is based on your credit score and may be higher than the quoted rate. Complete rate information is available at your Credit Union.

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