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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: Wednesday, December 11th, 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: Wednesday, December 11th, 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: Wednesday, December 11th, 2024
NameAPR as low as*
Variable Line of Credit 9.75%
Closed-End 10.25%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.


Auto Loans:
Effective Date: Wednesday, December 11th, 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: Wednesday, December 11th, 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.

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Home Equity Rates


Home Equity Line of Credit Rates
Effective Date: Wednesday, December 11th, 2024
NameAPR as low as*
Home Equity Line of Credit 7.75%
*APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.

Fixed Rate Home Equity Loan
Effective Date: Wednesday, December 11th, 2024
NameTermRateFee
Fixed Rate Home Equity Loan 10-Year 8.75% (APR) $500.00
Fixed Rate Home Equity Loan 15-Year 10.25% (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: Wednesday, December 11th, 2024
NameRate (APR*)APY**
Prime Share Savings ($0 - $24,999) 0.05% 0.05%
Prime Share Savings ($25,000 to $99,999) 0.10% 0.10%
Prime Share Savings ($100,000 or more) 0.15% 0.15%
Special Savings 0.02% 0.02%
Christmas Club 0.10% 0.10%
High-Yield Savings ($0 - $24,999) 0.15% 0.15%
High-Yield Savings ($25,000 to $99,999) 0.45% 0.45%
High-Yield Savings ($100,000 or more) 0.65% 0.65%
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: Wednesday, December 11th, 2024
TermMin. Amt.RateAPY*
6 month $2,000.00 0.995% 1.00% APY
12 month $2,000.00 1.49% 1.50% APY
24 month $2,000.00 1.736% 1.75% APY
36 month $2,000.00 1.982% 2.00% APY
48 month $2,000.00 2.227% 2.25% APY
60 month $2,000.00 2.472% 2.50% 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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