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DMCU has the best Loan Rates and Terms around!

Make sure you come to DMCU when you need a loan! Besides having great loan rates, we also have a friendly staff of Loan Officers that are ready to help you get your loan easy and fast!

Whatever your lending needs, we are ready to provide the products and services you want. Don’t delay! Call, click, or stop by today. We are ready to help you fulfill your dreams!

Auto
Boats
Recreational Vehicles
Motorhomes & Travel Trailers
Unsecured Closed End
Member First Mortgage
Dividend
Share Secure
Revolving

New, Used and Flex 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!, and our Flex Auto Loan offers the benefits of a lease with the power of ownership.**.  Apply now!

Effective Date: June 1, 2018

Model YearAPR as low as* Term / Minimum Balance
2014 or newer2.69%Up to 60 months
2014 or newer2.80%Between 60 and 72 months ($20,000 minimum for 72 months)
2014 or newer3.49%Between 72 and 84 months ($30,000 minimum for 84 months, limited to new cars only)
2013 and older4.69%Up to 60 months
2013 and older4.80%Between 60 and 72 months ($20,000 minimum for 72 months)
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Qualifying rate based on model year 2014 and newer vehicles and a loan term of under 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. Monthly payment example per $1,000.00 borrowed at 2.69% APR for 60 monthly payments is $17.84. 

**Loan rates for the Flex Auto Loan are 1% higher on posted rates and come with a maximum term of 72 months.

calculatorCalculate Your 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.

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Boats

Need to add a little fun and adventure to your life? We have the rates and terms for any budget!

Effective Date: January 1, 2018

Model YearAPR as low as*Term / Minimum Balance
2014 or newer5.24%Up to 120 months
2014 or newer5.49%Up to 179 months
2014 or newer5.49%Up to 239 months / $50,000 240 months / $90,000
2013 or older7.24%Up to 120 months
2013 or older7.49%Up to 179 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. Monthly payment example per $1,000.00 borrowed at 5.24% APR for 120 monthly payments is $10.72.

calculatorCalculate Your Boat 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.

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Recreational Vehicles

Effective Date: June 1, 2018

Account TypeModel Year / APR as low as*Term / Minimum Balance
Motorcycles2014 or newer / 4.00%Up to 60 months
Motorcycles2014 or newer / 4.25%Up to 72 months / $15,000
Motorcycles2013 and older / 6.00%Up to 60 months
Motorcycles2013 and older / 6.25%Up to 72 months / $15,000
Jet Ski - ATV - Snowmobiles2014 or newer / 4.00%Up to 60 months
Jet Ski - ATV - Snowmobiles2014 or newer / 4.25%Up to 72 months / $10,000
Jet Ski - ATV - Snowmobiles2013 and older / 6.00%Up to 60 months
Jet Ski - ATV - Snowmobiles2013 and older / 6.25%Up to 72 months / $10,000
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Qualifying rate based on model year 2014 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. Monthly payment example per $1,000.00 borrowed at 4.24% APR for 60 monthly payments is $18.53.

calculatorCalculate Your Recreational Vehicle 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.

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Motor Homes & Travel Trailers

Effective Date: January 1, 2018

Term2014 or newer2013 and older
Up to 60 months4.99%6.99%
Up to 120 months4.99%6.99%
Up to 180 months4.99% - ($50,000 Minimum Balance)6.99% - ($50,000 Minimum Balance)
Up to 240 months4.99% - ($90,000 Minimum Balance)6.99% - ($90,000 Minimum Balance)
*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Qualifying rate based on model year 2014 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. Monthly payment example per $1,000.00 borrowed at 4.99% APR for 60 monthly payments is $18.87. 

calculatorCalculate Your Motor Home 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.

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Share Secured

Effective Date: January 1, 2018

APR as low as*Term / Minimum BalanceMaximum Term
3.69%Up to 60 months60 months
3.80%61 to 72 months / $20,00072 months
4.49%73 to 84 months / $30,00084 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.

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Unsecured Closed End

Effective Date: January 1, 2018
Our loan rates start as low as 8.99% 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. Monthly payment example per $1,000.00 borrowed at 8.99% APR for 12 monthly payments is $87.45.

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Revolving Credit

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.

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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!

Fee Schedule

Savings Accounts

Effective Date: January 1, 2018

Account TypeDividend Rate / APY** / Dividend PaidMinimum Balance
Savings Shares0.25% / 0.25% / Quarterly$5.00
Sub Savings0.25% / 0.25% / Quarterly$0.00
Christmas Club0.40% / 0.40% / October 31st$0.00
Youth Savings0.25% / 0.25% / Quarterly$5.00
*Minimum deposit of $5.00 to open the account. **APY = Annual Percentage Yield. Fees may reduce earnings on the account.

Checking

Effective Date: January 1, 2018

Account TypeDividend Rate / APY**Minimum Balance
DMCU Checking0.05% / 0.05%$0.00

IRAS

Effective Date:  January 1, 2018

Account TypeDividend Rate / APY** / Dividend PaidMinimum Balance
Traditional IRA*0.50% / 0.50% / Quarterly$50.00
Roth IRA0.50% / 0.50% / Quarterly$50.00
Rollover Traditional IRA0.50% / 0.50% / Quarterly$50.00
*Minimum deposit of $50 to open the account. **APY = Annual Percentage Yield

Regular & IRA Certificates Of Deposit

Effective Date: June 1, 2018

TermAPY*Minimum Balance
6 months0.80%$200.00
12 months1.50%$200.00
24 months1.75%$200.00
36 months2.00%$200.00
60 months2.25%$200.00
*Minimum deposit of $200. APY = Annual Percentage Yield. 

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Contact Us

Detroit Main Office | 313.568.5000

CAYMC | 313.202.9388

Novi | 248.277.3628

Clawson | 248.435.0950

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