DMCU has the best Savings and Loan Rates around!
Call us, click or stop by if you need a loan. That’s what we’re here for. Our staff of friendly loan officers are ready to help you get the best rate possible based on your needs. And did we mention it’ll be easy?
Let’s start makin’ those dreams come true.
New, Used Auto Loans
Think of DMCU first when you want to purchase or refinance your new or used vehicle. We have the rates and terms to fit any budget!
Effective Date: April 1, 2024
| Model Year | APR as low as* | Term / Minimum Balance |
|---|---|---|
| 2019 and newer | 6.50% | 36 months |
| 2019 and newer | 6.70% | 48 months |
| 2019 and newer | 6.75% | 60 months |
| 2019 and newer | 7.00% | 75 months ($7,500 minimum) |
| 2019 and newer | 7.50% | 84 months ($7,500 minimum) |
| 2018 and older | 7.50% | 36 months |
| 2018 and older | 7.70% | 48 months |
| 2018 and older | 7.50% | 60 months |
| 2018 and older | 7.75% | 75 months ($7,500 minimum) |
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice.
** Only applicable to new loans and loans not currently financed through DMCU. Interest accrues during period of no payment.
***Credit report and/or any other documents must prove that you do not have prior history of an auto loan.
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Boats
Need to add a little fun and adventure to your life? We have the rates and terms for any budget!
Effective Date: April 1, 2024
| Model Year | APR as low as* | Term/Minimum Balance |
|---|---|---|
| 2015 or newer | 8.38% | Up to 120 months |
| 2015 or newer | 8.38% | Up to 180 months |
| 2014 or older | 10.38% | Up to 120 months |
| 2014 or older | 10.38% | Up to 180 months |
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice.
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Recreational Vehicles
Effective Date: April 1, 2024
| Account Type | Model Year / APR as low as* | Term / Minimum Balance |
|---|---|---|
| Motorcycles | 2015 or newer / 7.79% | Up to 60 months |
| Motorcycles | 2015 or newer / 7.99% | Up to 72 months / $15,000 |
| Motorcycles | 2014 and older / 7.79% | Up to 60 months |
| Motorcycles | 2014 and older / 7.99% | Up to 72 months / $15,000 |
| Jet Ski - ATV - Snowmobiles | 2015 or newer / 7.79% | Up to 60 months |
| Jet Ski - ATV - Snowmobiles | 2015 or newer / 7.99% | Up to 72 months / $10,000 |
| Jet Ski - ATV - Snowmobiles | 2014 and older / 7.79% | Up to 60 months |
| Jet Ski - ATV - Snowmobiles | 2014 and older / 7.99% | Up to 72 months / $10,000 |
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Qualifying rate based on model year 2015 and newer vehicles and a loan term of 60 months. Rates and terms may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice.
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Motor Homes & Travel Trailers
Effective Date: April 1, 2024
| Term | Models 2015 or newer/APR*/Min Balance | Models 2014 or older/APR*/Min Balance |
|---|---|---|
| Up to 60 months | As low as 7.99% | As low as 9.99% |
| Up to 120 months | As low as 8.38% | As low as 10.38% |
| Up to 180 months | As low as 8.38% - ($50,000 Minimum Balance) | As low as 10.38% - ($50,000 Minimum Balance) |
*APR = Annual Percentage Rate. The advertised rate is the lowest rate available. Qualifying rate based on the model year 2015 and newer. Advertised payment is based on a loan term of 180 months at an APR or annual percentage rate of 4.00%. Payment excludes taxes, title, fees, and any additional insurance products added to the loan. The prices displayed are examples based on average costs. Rates and terms may vary depending on credit qualifications, direct deposit, and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice.
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Calculate your estimated loan payment, by clicking here. If you have any questions, please contact a Member Service Representative at 313.568.5000 for more information.
Effective Date: April 1, 2024
| APR as low as* | Term / Minimum Balance | Maximum Term |
|---|---|---|
| 3.50% | Up to 60 months | 60 months |
| 3.50% | 61 to 72 months / $20,000 | 72 months |
| 3.50% | 73 to 84 months / $30,000 | 84 months |
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications and auto pay from a DMCU checking or savings account.
Unsecured Closed End
Effective Date: April 1, 2024
Our loan rates start as low as 11.90% APR*. Contact a Member Service Representative at 313.568.5000 for more information.
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice.
Revolving Credit
Effective Date: April 1, 2024
| APR as low as* | Maximum Term |
|---|---|
| 10.99% | Up to 48 months |
*Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications and auto pay from a DMCU checking or savings account.
Dividend
When you start saving your money with a deposit account at DMCU look at all the great rates that can make your money grow. Just $5 gets you started!
Savings Account
Effective Date: April 1, 2024
| Account Type* | Dividend Rate / APY** / Dividend Paid | Minimum Balance |
|---|---|---|
| Vacation Club | 0.30% / 0.30% / Annually | $0.00 |
| Sub Share Savings | 0.10% / 0.10% / Quarterly | $5.00 |
| Savings Shares | 0.10% / 0.10% / Quarterly | $5.00 |
| My Future Savings | 0.35% / 0.35% / Quarterly | $100.00 |
| Christmas Club | 0.30% / 0.30% / November 1 | $0.00 |
*Rates may change after the account is opened. Accurate as of the effective date stated above. Fees may reduce earnings on the account. ** APY = Annual Percentage Yield.
Checking
Effective Date: April 1, 2024
| Account Type* | Dividend Rate / APY** | Minimum Balance |
|---|---|---|
| DMCU Checking | 0.05% / 0.05% | $0.00 |
*Rates may change after the account is opened. Accurate as of the effective date stated above. Fees may reduce earnings on the account. ** APY = Annual Percentage Yield.
Money Market Tiers and APY***
Effective Date: April 1, 2024
| Tier* | APY** |
|---|---|
| $2,500 - $24,999 | 1.15% |
| $25,000 - $49,999 | 1.45% |
| $50,000 - $99,999 | 1.75% |
| $100,000 - $250,000 | 2.00% |
| $250,000 - $499,999 | 2.25% |
| $500,000 - $999,999 | 2.75% |
| $1,000,000 and over | 3.25% |
*$2,500 minimum average daily balance required to earn dividends. Monthly limit of six (6) withdrawals per account, after that see the fee schedule.
**APY= Annual Percentage Yield
***Rates may change after account is opened. Accurate as of effective date stated above. Fees may reduce earnings on the account.
IRAS
Effective Date: April 1, 2024
| Account Type | Dividend Rate / APY** / Dividend Paid | Minimum Balance |
|---|---|---|
| Traditional IRA* | 0.45% / 0.45% / Quarterly | $50.00 |
| Roth IRA | 0.45% / 0.45% / Quarterly | $50.00 |
| Rollover Traditional IRA | 0.45% / 0.45% / Quarterly | $50.00 |
*Minimum deposit of $50 to open the account. **APY = Annual Percentage Yield
Certificates Of Deposit-Regular & IRA**
Effective Date: April 1, 2024
| Term | APR* | APY* | Minimum Balance |
|---|---|---|---|
| 6 Month Special** | 5.04% | 5.10% | $200.00 |
| 9 Month Special** | 5.05% | 5.15% | $200.00 |
| 12 Months | 3.45% | 3.50% | $200.00 |
| 12 Months Save to Win | 2.97% | 3.00% | $25.00 |
| 24 Months | 2.62% | 2.65% | $200.00 |
| 36 Months | 2.72% | 2.75% | $200.00 |
| 60 Months | 2.97% | 3.00% | $200.00 |
**Minimum deposit of $200. APY = Annual Percentage Yield. There will be a penalty for early withdrawal.
*APR= Annual Percentage Rate
** One Special CD per member. Maximum deposit per CD account type is $500,000. Early withdrawal penalties will apply. Limited time offer. Offer may end at any time. Member NCUA.
Important Information:
Jumbo CD & IRA over $100,000.00 add 0.05% to all terms – minimum balance $100,000.00.
- 6 Month CD Special Renews at the 6 Month CD Rate
- 9-month CD renews at the 6 month CD rate at the point in time it renews. Rates may change.
Legacy Certificate of Deposit
Effective Date: April 1, 2024
| Term | APY* | Minimum Balance |
|---|---|---|
| 12 Months | 5.15% | $5,000.00 |
*APY = Annual Percentage yield. Legacy CDs are for those who are opening an account after a member passes away. These funds must have been on deposit at Diversified Members Credit Union at the time of death. Account holders can make two withdrawals without penalty. On the third withdrawal the account will be assessed a penalty, and it will be closed. Min deposit is $5,000 and Max deposit is $1,000,000.
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