DATCU Credit Union

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Rates

At DATCU Credit Union, we appreciate our members! Therefore, we offer special perks to members with extra levels of activity. These members are part of our very special MVP Program - Member Value Program. Our already great rates, are even lower for MVP's. And, if you have a certificate of deposit (CD), you'll earn more. Just look at the comparison below! For more information on how to become a DATCU MVP, Call 1-866-387-8585!

Click the title bars below to view the rates.

Consumer Loan Rates

AUTOMOBILES Lower APR for MVP's
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates shown reflect an additional .25% discount for MVP Program Benefit and 0.25% discount for 90% LTV. Certain restrictions and terms may apply. Final rate subject to increase based on final approved Loan to Value. APR is accurate as of 8/20/2013.

1 - Minimum loan amount of $30,000 required. Loans less than this amount may qualify for shorter financing terms.
Year Model Term Rate* MVP Rate*
2011 - 2014 66 2.24% 1.99%
721 2.74% 2.49%
751 2.99% 2.74%
2009 - 2010 66 2.49% 2.24%
721 2.99% 2.74%
2007 - 2008 48 2.84% 2.59%
60 3.34% 3.09%
2006 - Older 48 4.74% 4.49%
54 5.24% 4.99%
RECREATIONAL VEHICLES
(i.e. Water Craft, Motor Homes, Travel Trailers, Motorcycles, ATVs, Et...)
Lower APR for MVP's
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates reflect an additional 0.25% discount for MVP Program Benefit. Certain restrictions and terms may apply. APR is accurate as of 8/20/2013.
Amount Term Rate* MVP Rate*
$0 - $4,999 36 8.49% 8.24%
$5,000 - $9,999 60 8.49% 8.24%
$10,000 - $14,999 72 7.00% 6.75%
$15,000 - $24,999 120 5.24% 4.99%
$25,000 - $49,999 144 4.99% 4.74%
$50,000 - Above 180 4.74% 4.49%
SIGNATURE/LINE OF CREDIT Lower APR for MVP's
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates reflect an additional 0.25% discount for MVP Program Benefit. Certain restrictions and terms may apply. APR is accurate as of 8/20/2013.
Amount Term Rate* MVP Rate*
$0 - $1,500 12 9.40% 9.15%
$1,501 - $3,000 24 9.90% 9.65%
$3,001 - $4,500 36 10.40% 10.15%
$4,501 - $6,000 48 10.90% 10.65%
$6,001 - Above 60 11.40% 11.15%

Certificates of Deposit Rates

Term Interest Rate APY* MVP APY* EARN MORE as an MVP
*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 7/18/2013.
6mo .15% .15% .40%
1yr .25% .25% .50%
2yr .50% .50% .75%
3yr 1.05% 1.06% 1.31%
4yr 1.44% 1.45% 1.71%
5yr 1.74% 1.75% 2.01%

IRA Certificates of Deposit Rates

Term Interest Rate APY* MVP APY* EARN MORE as an MVP
*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 7/18/2013.
6mo .15% .15% .40%
1yr .25% .25% .50%
2yr .50% .50% .75%
3yr 1.05% 1.06% 1.31%
4yr 1.44% 1.45% 1.71%
5yr 1.74% 1.75% 2.01%

Savings Account Rate

0.20% APY** *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 7/18/2013.

IRA Savings Account Rate

0.20% APY** *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 7/18/2013.

Checking Account Rate

.05% APY** *A minimum deposit of $25 required to open, with a minimum average daily balance of $500 maintained to earn a dividend on applicable Checking Accounts. Dividends on applicable Checking Accounts will be compounded monthly 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 on the account. APY is accurate as of 7/18/2013.

Money Market Rate

Balance APY* *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 7/18/2013.
$2,500 - $9,999 0.20%
$10,000 - $24,999 0.20%
$25,000 - $49,000 0.20%
$50,000 - Above 0.20%

Credit Card Rates

DATCU My Rewards Platinum MasterCard®
Rate for Purchases* 10.5%, 12.5% or 15% APR
Rewards* Earn 1 point for every $1 spent
Annual Fee* NO ANNUAL FEE
Balance Transfers* No balance transfer fee (10.5%-15% APR)
Late Fee* $25
Cash Back Rewards* YES

*APR is Annual Percentage Rate. Rates are as low as 10.5% APR. 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. Other institution information obtained through the card issuer websites as of March 2012 and are subject to change without notice. While we believe these rates are accurate as of March 2012, the data presentation is for comparison purposes only and DATCU makes no guarantees to the accuracy of the information.