Rates
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CD Rates | Checking Account Rates | Automobile Rates | Mortgage Rates | Recreational Vehicle Rates | Signature | Credit Card Rates | IRA CD Rates | IRA Savings Account Rates | Money Market Rates | Savings Account Rates
Certificates of Deposit Rates
| Term | APY* |
|---|---|
| 6 months | 4.10% |
| 12 months | 4.00% |
| 24 months | 3.55% |
| 36 months | 3.55% |
| 48 months | 3.55% |
| 60 months | 3.55% |
*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 6/18/2025.
| APY** |
|---|
| 0.20% |
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 of 12/16/2022.
| Year-Model | Term | Rate* |
|---|---|---|
| 2022 — 2025 | 72 months | 5.69% |
| 2022 — 2025 | 75 months | 5.94% |
| 2022 — 2025 | 78 months | 6.19% |
| 2022 — 2025 | 84 months | 6.59% |
| Current Year Model | 96 months | 7.34% |
| 2020 — 2021 | 72 months | 5.89% |
| 2020 — 2021 | 75 months | 6.14% |
| 2020 — 2021 | 78 months | 6.39% |
| 2018 — 2019 | 60 months | 5.89% |
| 2018 — 2019 | 66 months | 6.39% |
| 2017 — Older | 48 months | 7.69% |
| 2017 — Older | 60 months | 8.19% |
| Amount | Term | Rate* |
|---|---|---|
| $0 — $9,999 | 72 months | 8.84% |
| $10,000 — $14,999 | 120 months | 7.84% |
| $15,000 — $24,999 | 144 months | 6.39% |
| $25,000 — $49,999 | 180 months | 6.39% |
| $50,000 — Above | 180 months | 6.39% |
| $50,000 — Above | 240 months | 6.39% |
*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 6/20/2025 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 96 months. All Loans Must be MLA Compliant.
| Amount | Term | Rate* |
|---|---|---|
| $0 — $1,500 | 12 months | 10.49% |
| $1,501 — $3,000 | 24 months | 10.49% |
| $3,001 — $4,500 | 36 months | 10.49% |
| $4,501 — $6,000 | 48 months | 11.49% |
| $6,001 — Above | 60 months | 12.49% |
*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 9/20/2023. All Loans Must be MLA Compliant.
| Rate for Purchases* | Rewards* | Annual Fee* | Balance Transfers* | Cash Back Rewards* |
|---|---|---|---|---|
| 14.75% to 17.90%% | Earn 1.5 points for every $1 spent | No annual fee | No balance transfer fee | Yes |
*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 12/23/2024.
| Term | Interest Rate | APY* |
|---|---|---|
| 6 months | 4.02% | 4.10% |
| 12 months | 3.93% | 4.00% |
| 24 months | 3.49% | 3.55% |
| 36 months | 3.49% | 3.55% |
| 48 months | 3.49% | 3.55% |
| 60 months | 3.49% | 3.55% |
*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 6/18/2025.
| APY*** |
|---|
| 0.50% |
*A minimum deposit of $1,000 required to open, with an aggregated minimum average daily balance of $1,000 between all IRA Savings and IRA CD shares. A minimum average daily balance of $100 must be 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 9/27/2024.
| Balance | APY* |
|---|---|
| $2,500 — $9,999 | 1.55% |
| $10,000 — $24,999 | 1.55% |
| $25,000 — $49,999 | 1.75% |
| $50,000 — $99,999 | 1.75% |
| $100,000 — Above | 2.00% |
*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 11/19/2024.
| APY*** |
|---|
| 0.50% |
*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 9/27/2024.