Downriver Community Federal Credit Union Rates
Loan Rates
Mortgage Rates
Home Equity Rates
Savings Rates
Loan Rates
| Credit Cards | |
| Effective Date: Wednesday, April 30th, 2025 | |
| Name | APR 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, April 30th, 2025 | |
| Name | APR 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, April 30th, 2025 | |
| Name | APR 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, April 30th, 2025 | |
| Term | APR as low as* |
| NEW - up to 84 months | 4.99% |
| USED - up to 60 months | 5.99% |
| *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score. | |
| Motorcycle Loans: | |
| Effective Date: Wednesday, April 30th, 2025 | |
| Term | APR as low as* |
| NEW (up to 60 months) | 8.50% |
| NEW (up to 72 months) | 9.50% |
| USED (up to 48 months) | 8.99% |
| USED (up to 60 months) | 9.99% |
| *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, April 30th, 2025 | |
| Name | APR as low as* |
| Home Equity Line of Credit | 7.50% |
| *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score. | |
| Fixed Rate Home Equity Loan | |||
| Effective Date: Wednesday, April 30th, 2025 | |||
| Name | Term | Rate | Fee |
| Fixed Rate Home Equity Loan | 10-Year | 8.50% (APR) | $500.00 |
| Fixed Rate Home Equity Loan | 15-Year | 9.75% (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, April 30th, 2025 | ||
| Name | Rate (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) | 0.35% | 0.35% |
| High-Yield Savings ($100,000 or more) | 0.50% | 0.50% |
| 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, April 30th, 2025 | |||
| Term | Min. Amt. | Rate | APY* |
| 6 month | $2,000.00 | 0.995% | 1.00% APY |
| 12 month | $2,000.00 | 1.29% | 1.30% APY |
| 24 month | $2,000.00 | 1.489% | 1.50% APY |
| 36 month | $2,000.00 | 1.98% | 2.00% APY |
| 48 month | $2,000.00 | 1.98% | 2.00% APY |
| 60 month | $2,000.00 | 2.23% | 2.25% 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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