Collective.com retargetting pixel Branch Exchange retargetting pixel
User ID Password

Rates

View all rates

As Low As 1.90% APR Fixed Rate Auto Loans

No Gimmicks. Just a fixed, low rate.
Frustrated with the never-ending gimmicks and fine print to get a fixed, low rate auto loan? End your frustration. reLAX with a fixed, low rate auto loan at DHCU Community Credit Union.

View all auto rates

*APR = Annual Percentage Rate. Interest rate determined by individual credit history. As low as rate of 1.90% APR based on A credit, up to 100% financing for 60 months on vehicle model years 2010 or newer.

Visit a branch.

Become a fan on Facebook.

Call Us
Quad Cities: 309-796-7500
Clinton: 563-244-6506
Toll-free: 800-323-5109

E-mail us at info@dhcu.org

Bottom Graphic
Effective as of April 14, 2014, unless otherwise noted, and subject to change.
APY = Annual Percentage Yield. Conventional Loan Rates. Interest rates determined by individual credit history.


We value your membership and the financial relationships we build together. Build A Rate gives you an opportunity to add up to .30% to your certificate rate. Rates as high as:
Build A Rate APY <$10,000* APY $10,000-$49,999* APY $50,000-$99,999* APY >$100,000*
1 year
0.50% 0.55% 0.60% 0.65%
18 month
0.60% 0.65% 0.70% 0.75%
2 year
0.65% 0.70% 0.75% 0.80%
30 month
0.75% 0.85% 0.90% 0.95%
3 year
0.90% 1.00% 1.05% 1.10%
48 month
1.20% 1.30% 1.36% 1.41%

.20% added for existing, active checking account
.10% added for an active direct deposit to any DHCU savings or checking account

*Certificates with relationship amounts specified above. A relationship amount is defined as the total deposits held (excluding checking account balances) within a household address. "Active" is defined as at least one transaction per calendar month. Minimum deposit of $1,000 required except for youth accounts which is $500. A penalty may be imposed for early withdrawal.

Certificates APR APY
5-Year Add-On Certificate
2.00% 2.02%
40-Month Bump-Up+
1.25% 1.26%
spacer +During the term of this certificate, you may request that DHCU raise your rate to the current DHCU published rate on the 40-month certificate. You will then earn that higher rate for the remainder of the term of the certificate. You may only exercise this feature one time during the term of your certificate. Promotional rates made available in special offers are excluded. Account automatically renews at maturity for a 36-month term at the dividend rate in effect on the maturity date. *Minimum to open for members age 0 - 23 is $500, those age 24 and better is $1,000. **All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary when dividends are deposited to the account. Dividends may be paid quarterly, semi-annually and annually. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on the Account.


Savings Accounts Money Market &
IRA Money Market APY
Super Savings APY Regular/Club
Savings APY
$200,000+
0.35% 0.50% 0.10%
$100,000 - $199,999
0.30% 0.40% 0.10%
$25,000 - $99,999
0.20% 0.30% 0.10%
$10,000 - $24,999
0.10% 0.20% 0.10%
$100 - $9,999
0.05% 0.10% 0.05%
$0 - $99
0.00% 0.00% 0.00%
CheckingRewards APY
$5,000+
0.20%
$1,000 - $4,999
0.10%
$0 - $999
0.00%


IRA Accounts APY Minimum Deposit
$100,000+
0.35% $5
$50,000 - $99,999
0.30% $5
$25,000 - $49,999
0.20% $5
$10,000 - $24,999
0.10% $5
$100 - $9,999
0.05% $5
Personal Loan Rates APR
Signature/Cosigner Loan as low as
12.25% APR
Share Secured**
2.00% APR
Platinum Visa Credit Card as low as
9.90% APR
Classic Visa as low as
11.90% APR
*Conventional Loan Rates. Interest rates determined by individual credit history. **Above certificate/savings rate earned.
Health Savings Account
$100 - $4,999
0.05% APY
$5,000+
0.10% APY
All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on accounts.


Just a thought...
Ease your mind with a quick and easy auto loan with great rates as low as 1.75% APR* with up to 72 months variable rate financing. Visit our Great Rate Auto Calculator to see how much DHCU can save you compared to the competition.

Calculate Auto Loan Apply for an Auto Loan
Vehicles/Motorcycles Variable Rate Fixed Rate
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
80% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
New/Used 2014 - 2011
1.75% $21.59 1.90% $21.65 1.90% $21.65
Used 2010 - 2009
1.75% $28.54 2.00% $28.65 2.25% $28.75
Used 2008 - 2007
2.25% $28.76 2.75% $29.87 3.00% $29.08
Used 2006 - 2005
4.00% $22.58 5.50% $23.26 6.00% $23.49
Used 2004 and Older
5.00% $29.98 6.50% $30.65 7.00% $30.87

Non-Standard Vehicle Variable Rate Fixed Rate
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
New/Used 2013 - 2010
4.00% $22.58 5.00% $23.03
Used 2009 - 2007
4.25% $29.64 5.50% $30.19
Used 2006 - 2004
5.25% $23.15 6.50% $23.72
Used 2003 and Older
6.75% $30.77 8.00% $31.34
*Conventional Loan Rates. Interest rates determined by individual credit history and term of the loan.
Variable rate loan may adjust quarterly after consummation of the loan. Contractual payments will not change, however, the term of your loan may be adjusted. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus (or minus) a margin percentage, determined by your individual credit profile. The floor rate for the variable rate loan is 1.75% APR.
The Invest in America program provides Illinois Credit Union members with a $500 to $1,000 cash incentive on most new vehicle purchases from GM. DHCU members can participate in the program. Click here for more information.
**Campers and Fifth Wheels 2004 and newer. ATV and off road bikes purchase money only - 2007 and newer $3,000 minimum advance. Collector car must be located under the Collector section of NADA to qualify. Purchase money only 2007 and newer for Jet Skis. $3,000 minimum advance. Purchase money only 2007 and newer for Outboard Motor, Snowmobile, Utility Trailer. $2,000 minimum advance. Purchase money only for Garden Tractor, Utility Tractor, Equipment. $1500 minimum advance.


HomeAdvantage Equity APR
as low as
Monthly Payment
per $10,000 borrowed
  EquityAdvantage Equity APR
as low as
Monthly Payment
per $10,000 borrowed
5 yr Fixed
3.250% $180.82*
Fixed Line of Credit
4.500% $100.00**
7 yr Fixed
3.500% $134.42*
Variable Rate Equity Line of Credit
10 yr Fixed
5.250% $107.29*
80% Financing
3.25%+ $100.00+
   
95% Financing
3.50%+ $100.00+
APR may vary with credit score and loan to value ratio.* Per $10,000 borrowed payment based on 15 year amortization. $75 processing fee on Home Equity Loans.
** Per $10,000 borrowed payment based on 1% of the loan balance.
+ DHCU HomeEquity Variable LOC is a variable rate loan and rate may adjust quarterly, however, no more than 1% at each adjustment after consummation of the loan. It is indexed quarterly to the Prime Rate as published in the Wall Street Journal, minus 1%. Rates quoted may not reflect Annual Percentage Rate (APR). APR may vary with credit score and loan to value ratio. Floor rate for this product is 3.25%. Maximum rate is 18%.
All rates and terms subject to change without notice and all loans are issued subject to credit approval. Normal Lending guidelines apply.


Title Loans Fixed Rate
as low as
Up to 18 months 18%
Loan balance 40% of wholesale or maximum of $3000 whichever is less.

spacer  


We value your membership and the financial relationships we build together. Build A Rate gives you an opportunity to add up to .30% to your certificate rate. Rates as high as:
Build A Rate APY <$10,000* APY $10,000-$49,999* APY $50,000-$99,999* APY >$100,000*
1 year
0.50% 0.55% 0.60% 0.65%
18 month
0.60% 0.65% 0.70% 0.75%
2 year
0.65% 0.70% 0.75% 0.80%
30 month
0.75% 0.85% 0.90% 0.95%
3 year
0.90% 1.00% 1.05% 1.10%
48 month
1.20% 1.30% 1.36% 1.41%

.20% added for existing, active checking account
.10% added for an active direct deposit to any DHCU savings or checking account

*Certificates with relationship amounts specified above. A relationship amount is defined as the total deposits held (excluding checking account balances) within a household address. "Active" is defined as at least one transaction per calendar month. Minimum deposit of $1,000 required except for youth accounts which is $500. A penalty may be imposed for early withdrawal.
Certificates APR APY
5-Year Add-On Certificate
2.00% 2.02%
40-Month Bump-Up+
1.25% 1.26%
spacer +During the term of this certificate, you may request that DHCU raise your rate to the current DHCU published rate on the 40-month certificate. You will then earn that higher rate for the remainder of the term of the certificate. You may only exercise this feature one time during the term of your certificate. Promotional rates made available in special offers are excluded. Account automatically renews at maturity for a 36-month term at the dividend rate in effect on the maturity date. *Minimum to open for members age 0 - 23 is $500, those age 24 and better is $1,000. **All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary when dividends are deposited to the account. Dividends may be paid quarterly, semi-annually and annually. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on the Account.
Savings Accounts Money Market &
IRA Money Market APY
Super Savings APY Regular/Club
Savings APY
$200,000+
0.35% 0.50% 0.10%
$100,000 - $199,999
0.30% 0.40% 0.10%
$25,000 - $99,999
0.20% 0.30% 0.10%
$10,000 - $24,999
0.10% 0.20% 0.10%
$100 - $9,999
0.05% 0.10% 0.05%
$0 - $99
0.00% 0.00% 0.00%
CheckingRewards APY
$5,000+
0.20%
$1,000 - $4,999
0.10%
$0 - $999
0.00%
IRA Accounts APY Minimum Deposit
$100,000+
0.35% $5
$50,000 - $99,999
0.30% $5
$25,000 - $49,999
0.20% $5
$10,000 - $24,999
0.10% $5
$100 - $9,999
0.05% $5
Personal Loan Rates APR
Signature/Cosigner Loan as low as
12.25% APR
Share Secured**
2.00% APR
Platinum Visa Credit Card as low as
9.90% APR
Classic Visa as low as
11.90% APR
*Conventional Loan Rates. Interest rates determined by individual credit history. **Above certificate/savings rate earned.
Health Savings Account
$100 - $4,999
0.05% APY
$5,000+
0.10% APY
All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on accounts.

Just a thought...
Ease your mind with a quick and easy auto loan with great rates as low as 1.75% APR* with up to 72 months variable rate financing. Visit our Great Rate Auto Calculator to see how much DHCU can save you compared to the competition.

Calculate Auto Loan Apply for an Auto Loan
Vehicles/Motorcycles Variable Rate Fixed Rate
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
80% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
New/Used 2014 - 2011
1.75% $21.59 1.90% $21.65 1.90% $21.65
Used 2010 - 2009
1.75% $28.54 2.00% $28.65 2.25% $28.75
Used 2008 - 2007
2.25% $28.76 2.75% $29.87 3.00% $29.08
Used 2006 - 2005
4.00% $22.58 5.50% $23.26 6.00% $23.49
Used 2004 and Older
5.00% $29.98 6.50% $30.65 7.00% $30.87

Non-Standard Vehicle Variable Rate Fixed Rate
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
100% Financing*
APR as low as
Monthly Payment
per $1,000 borrowed
New/Used 2013 - 2010
4.00% $22.58 5.00% $23.03
Used 2009 - 2007
4.25% $29.64 5.50% $30.19
Used 2006 - 2004
5.25% $23.15 6.50% $23.72
Used 2003 and Older
6.75% $30.77 8.00% $31.34
*Conventional Loan Rates. Interest rates determined by individual credit history and term of the loan.
Variable rate loan may adjust quarterly after consummation of the loan. Contractual payments will not change, however, the term of your loan may be adjusted. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus (or minus) a margin percentage, determined by your individual credit profile. The floor rate for the variable rate loan is 1.75% APR.
The Invest in America program provides Illinois Credit Union members with a $500 to $1,000 cash incentive on most new vehicle purchases from GM. DHCU members can participate in the program. Click here for more information.
**Campers and Fifth Wheels 2004 and newer. ATV and off road bikes purchase money only - 2007 and newer $3,000 minimum advance. Collector car must be located under the Collector section of NADA to qualify. Purchase money only 2007 and newer for Jet Skis. $3,000 minimum advance. Purchase money only 2007 and newer for Outboard Motor, Snowmobile, Utility Trailer. $2,000 minimum advance. Purchase money only for Garden Tractor, Utility Tractor, Equipment. $1500 minimum advance.
HomeAdvantage Equity APR
as low as
Monthly Payment
per $10,000 borrowed
  EquityAdvantage Equity APR
as low as
Monthly Payment
per $10,000 borrowed
5 yr Fixed
3.250% $180.82*
Fixed Line of Credit
4.500% $100.00**
7 yr Fixed
3.500% $134.42*
Variable Rate Equity Line of Credit
10 yr Fixed
5.250% $107.29*
80% Financing
3.25%+ $100.00+
   
95% Financing
3.50%+ $100.00+
APR may vary with credit score and loan to value ratio.* Per $10,000 borrowed payment based on 15 year amortization. $75 processing fee on Home Equity Loans.
** Per $10,000 borrowed payment based on 1% of the loan balance.
+ DHCU HomeEquity Variable LOC is a variable rate loan and rate may adjust quarterly, however, no more than 1% at each adjustment after consummation of the loan. It is indexed quarterly to the Prime Rate as published in the Wall Street Journal, minus 1%. Rates quoted may not reflect Annual Percentage Rate (APR). APR may vary with credit score and loan to value ratio. Floor rate for this product is 3.25%. Maximum rate is 18%.
All rates and terms subject to change without notice and all loans are issued subject to credit approval. Normal Lending guidelines apply.
Title Loans Fixed Rate
as low as
Up to 18 months 18%
Loan balance 40% of wholesale or maximum of $3000 whichever is less.

spacer  


bottom page border