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Rates with great ratings.

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: May 1, 2024

Model YearAPR as low as*Term / Minimum Balance
2019 and newer6.50%36 months
2019 and newer6.70%48 months
2019 and newer6.75%60 months
2019 and newer7.00%75 months ($7,500 minimum)
2019 and newer7.50%84 months ($7,500 minimum)
2018 and older7.50%36 months
2018 and older7.70%48 months
2018 and older7.50%60 months
2018 and older7.75%75 months ($7,500 minimum)

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: May 1, 2024

Model YearAPR as low as*Term/Minimum Balance
2015 or newer8.38%Up to 120 months
2015 or newer8.38%Up to 180 months
2014 or older10.38%Up to 120 months
2014 or older10.38%Up to 180 months

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: May 1, 2024

Account TypeModel Year / APR as low as*Term / Minimum Balance
Motorcycles2015 or newer / 7.79%Up to 60 months
Motorcycles2015 or newer / 7.99%Up to 72 months / $15,000
Motorcycles2014 and older / 7.79%Up to 60 months
Motorcycles2014 and older / 7.99%Up to 72 months / $15,000
Jet Ski - ATV - Snowmobiles2015 or newer / 7.79%Up to 60 months
Jet Ski - ATV - Snowmobiles2015 or newer / 7.99%Up to 72 months / $10,000
Jet Ski - ATV - Snowmobiles2014 and older / 7.79%Up to 60 months
Jet Ski - ATV - Snowmobiles2014 and older / 7.99%Up to 72 months / $10,000

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: May 1, 2024

TermModels 2015 or newer/APR*/Min BalanceModels 2014 or older/APR*/Min Balance
Up to 60 monthsAs low as 7.99%As low as 9.99%
Up to 120 monthsAs low as 8.38%As low as 10.38%
Up to 180 monthsAs low as 8.38% - ($50,000 Minimum Balance)As low as 10.38% - ($50,000 Minimum Balance)

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.

Share Secured

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: May 1, 2024

APR as low as*Term / Minimum BalanceMaximum Term
3.50%Up to 60 months 60 months
3.50%61 to 72 months / $20,00072 months
3.50%73 to 84 months / $30,00084 months

Unsecured Closed End

Effective Date: May 1, 2024

Our loan rates start as low as 11.90% APR*. Contact a Member Service Representative at 313.568.5000 for more information.

Revolving Credit

Effective Date: May 1, 2024

APR as low as*Maximum Term
10.99%Up to 48 months

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: May 1, 2024

Account Type*Dividend Rate / APY** / Dividend PaidMinimum Balance
Vacation Club0.30% / 0.30% / Annually$0.00
Sub Share Savings0.10% / 0.10% / Quarterly$5.00
Savings Shares0.10% / 0.10% / Quarterly$5.00
My Future Savings0.35% / 0.35% / Quarterly$100.00
Christmas Club0.30% / 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: May 1, 2024

Account Type*Dividend Rate / APY**Minimum Balance
DMCU Checking0.05% / 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: May 1, 2024

Tier*APY**
$2,500 - $24,9991.15%
$25,000 - $49,9991.45%
$50,000 - $99,9991.75%
$100,000 - $250,0002.00%
$250,000 - $499,9992.25%
$500,000 - $999,9992.75%
$1,000,000 and over3.25%

IRAS

Effective Date: May 1, 2024

Account TypeDividend Rate / APY** / Dividend PaidMinimum Balance
Traditional IRA*0.45% / 0.45% / Quarterly$50.00
Roth IRA0.45% / 0.45% / Quarterly$50.00
Rollover Traditional IRA0.45% / 0.45% / Quarterly$50.00

Certificates Of Deposit-Regular & IRA**

Effective Date: May 1, 2024

TermAPR*APY*Minimum Balance
6 Month3.22%3.25%$200.00
9 Month Special**5.05%5.15%$200.00
10 Month Special***5.29%5.40%$200.00
12 Months3.45%3.50%$200.00
12 Months Save to Win2.97%3.00%$25.00
24 Months2.62%2.65%$200.00
36 Months2.72%2.75%$200.00
60 Months2.97%3.00%$200.00

Legacy Certificate of Deposit

Effective Date: May 1, 2024

TermAPY*Minimum Balance
12 Months5.15%$5,000.00

Cap & Gown CD Special

Effective Date: May 1, 2024

TermAPY*Minimum Balance
12 Months5.50%$200.00

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Come on over and share the wealth with thousands of other members through rewards, low rates, and making financing a breeze.

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