Rates

Make the numbers work for you.

Earn more on savings. Spend less on loans.

Term Interest Rate APY*
6 months2.75%2.79%
12 months3.75%3.82%
24 months3.90%3.97%
36 months2.55%2.58%
48 months2.55%2.58%
60 months2.55%2.58%

*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. APY is earned when dividend is posted to your Certificate. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 11/17/2022.

Checking Account Rates

APY**
.15%

A minimum deposit $5 into a share account is required to open our DATCU Free Checking Account.  Interest is paid on all active checking accounts defined as 10+ card transactions per month plus e-statements. Interest is compounded and credited monthly. APY is earned when dividend is posted to your Checking Account.  APY = Annual Percentage Yield.  Rates may change at any time without prior notice.  Fees or other conditions could reduce the earnings to the account.  APY is accurate as of10/28/2022.

Automobile Rates

Year-Model Term Rate*
2020 — 202372 months5.49%
2020 — 202375 months5.74%
2020 — 202378 months5.99%
2020 — 202384 months6.24%
2018 — 201972 months5.69%
2018 — 201975 months5.94%
2018 — 201978 months6.19%
2016 — 201760 months5.69%
2016 — 201766 months6.19%
2014 — Older48 months7.49%
2015 — Older60 months7.99%
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. There is an additional .15% discount for 80% LTV available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 10/14/2022. All Loans Must be MLA Compliant.
 

Recreational Vehicle Rates

Amount Term Rate*
$0 — $9,99972 months8.24%
$10,000 — $14,999120 months7.24%
$15,000 — $24,999144 months6.24%
$25,000 — $49,999180 months6.24%
$50,000 — Above180 months6.24%

*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. There is an additional .15% discount for 90% LTV available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 10/14/2022 Max term on powersports/motorcycles between $10,000 and $14,999 is 72 mos. Max term on powersports/motorcycles for $15,000 and above is 84 months. All Loans Must be MLA Compliant.

Personal Loan Rates

Amount Term Rate*
$0 — $1,50012 months8.99%
$1,501 — $3,00024 months8.99%
$3,001 — $4,50036 months8.99%
$4,501 — $6,00048 months9.99%
$6,001 — Above60 months10.99%

*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 6/25/2022. All Loans Must be MLA Compliant.

Credit Card Rates

Rate for Purchases* Rewards* Annual Fee* Balance Transfers* Cash Back Rewards*
14.25% to 17.90%Earn 1.5 points for every $1 spentNo annual feeNo balance transfer feeYes

*APR is Annual Percentage Rate. Rates are based on the credit worthiness of each applicant and are subject to change, without advance notice, at any time. Other terms, conditions and fees may apply. Subject to credit approval. APR is effective as of 11/3/22.

IRA Certificates of Deposit Rates

Term Interest Rate APY*
6 months2.75%2.79%
12 months3.75%3.82%
24 months3.90%3.97%
36 months2.55%2.58%
48 months2.55%2.58%
60 months2.55%2.58%

*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 11/17/2022.

IRA Savings Account Rates

APY***
0.25%

*A minimum deposit of $25 required to open, with a minimum average daily balance of $100 maintained to earn a dividend. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is earned when dividend is posted to your Savings Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 09/30/2022.

Money Market Rates

Balance APY*
$2,500 — $9,9990.55%
$10,000 — $24,9990.80%
$25,000 — $49,9990.80%
$50,000 — Above1.21%

*A minimum deposit of $2,500 is required to open. You must maintain a minimum average daily balance of $2,500.00 to obtain the disclosed APY. Dividends on Money Market Accounts will be compounded monthly and credited monthly. APY is earned when dividend is posted to your Money Market Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 11/28/2022. 

Savings Account Rates

APY***
0.25%

*A minimum deposit of $5 required to open, with a minimum average daily balance of $100 maintained to earn a dividend. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is earned when dividend is posted to your Savings Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 9/30/2022.

DATCU is a full-service financial institution serving Denton, Cooke, Wise, Montague, Collin, Dallas, Tarrant, Jack, Parker, Grayson and Clay counties in Texas.