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Rates

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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.

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

E-mail us at info@dhcu.org

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Effective as of March 30, 2015, unless otherwise noted, and subject to change.
APY = Annual Percentage Yield. Conventional Loan Rates. Interest rates determined by individual credit history.


Certificates
Certificate Type APY
5-Year Add-On Certificate 2.02%
40-Month Bump-Up Certificate+ 1.26%
33-Month Certificate 2.00%

+ 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. *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. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the Account.

We value your membership and the financial relationships we build together and offer you an opportunity to add up to .30% to your certificate rate. Rates as high as:
 
APY
Term <$10,000* $10,000 -
$49,000*
$50,000 -
$99,999*
>$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 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. A penalty may be imposed for early withdrawal.


Checking
Account Type Average Daily Balance APY
CheckingRewards $5,000+ 0.20%
  $1,000 - $4,999 0.10%
  $0 - $999 0.00%

New accounts receive first 50 checks free. Other styles available at full price-prices vary. Checking program details, benefits and rebates subject to change without notice.

Savings
Account Type Average Daily Balance APY
Regular/Club Savings $200,000+ 0.10%
  $100,000 - $199,999 0.10%
  $25,000 - $99,999 0.10%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Money Market/IRA Money Market $200,000+ 0.35%
  $100,000 - $199,999 0.30%
  $25,000 - $99,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Super Savings $200,000+ 0.40%
  $100,000 - $199,999 0.30%
  $25,000 - $99,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Health Savings Account* $5,000+ 0.10%
  $100 - $4,999 0.05%
IRA Accounts $100,000+ 0.35%
  $50,000 - $99,999 0.30%
  $25,000 - $49,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%

*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.


Home Equity
Type Term/Financing APR
as low as
Monthly Payment
per $10,000 borrowed**
EquityAdvantage Fixed Line of Credit 4.750% $100.00
Variable Rate Equity Line of Credit 80% Financing 2.250%+ $100.00+
  95% Financing 3.250%+ $100.00+

APR may vary with credit score and loan to value ratio.
*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 2.25%. 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.


Vehicles

 
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
Vehicles/Motorcycles 1.75% $21.59 1.90% $21.65 1.90% $21.65
Non-Standard** 2.75% $22.03     3.25% $22.25

*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.
**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, and Utility
Trailer. $2,000 minimum advance. Purchase money only for Garden Tractor, Utility Tractor, and Equipment. $1500 minimum advance.


Other Loans
Type APR
as low as
Signature/Cosigner Loan 7.00%
Shared Secure* 2.00%
Platinum Visa Credit Card 9.9%
Classic Visa 11.90%

*Conventional Loan Rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.

Certificates
Certificate Type APY
5-Year Add-On Certificate 2.02%
40-Month Bump-Up Certificate+ 1.26%
33-Month Certificate 2.00%

+ 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. *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. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the Account.

We value your membership and the financial relationships we build together and offer you an opportunity to add up to .30% to your certificate rate. Rates as high as:
 
APY
Term <$10,000* $10,000 -
$49,000*
$50,000 -
$99,999*
>$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 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. A penalty may be imposed for early withdrawal.

Checking
Account Type Average Daily Balance APY
CheckingRewards $5,000+ 0.20%
  $1,000 - $4,999 0.10%
  $0 - $999 0.00%

New accounts receive first 50 checks free. Other styles available at full price-prices vary. Checking program details, benefits and rebates subject to change without notice.

Savings
Account Type Average Daily Balance APY
Regular/Club Savings $200,000+ 0.10%
  $100,000 - $199,999 0.10%
  $25,000 - $99,999 0.10%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Money Market/IRA Money Market $200,000+ 0.35%
  $100,000 - $199,999 0.30%
  $25,000 - $99,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Super Savings $200,000+ 0.40%
  $100,000 - $199,999 0.30%
  $25,000 - $99,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%
  $0 - $99 0.00%
Health Savings Account* $5,000+ 0.10%
  $100 - $4,999 0.05%
IRA Accounts $100,000+ 0.35%
  $50,000 - $99,999 0.30%
  $25,000 - $49,999 0.20%
  $10,000 - $24,999 0.10%
  $100 - $9,999 0.05%

*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.

Home Equity
Type Term/Financing APR
as low as
Monthly Payment
per $10,000 borrowed**
EquityAdvantage Fixed Line of Credit 4.750% $100.00
Variable Rate Equity Line of Credit 80% Financing 2.250%+ $100.00+
  95% Financing 3.250%+ $100.00+

APR may vary with credit score and loan to value ratio.
*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 2.25%. 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.

Vehicles

 
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
Vehicles/Motorcycles 1.75% $21.59 1.90% $21.65 1.90% $21.65
Non-Standard** 2.75% $22.03     3.25% $22.25

*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.
**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, and Utility
Trailer. $2,000 minimum advance. Purchase money only for Garden Tractor, Utility Tractor, and Equipment. $1500 minimum advance.

Other Loans
Type APR
as low as
Signature/Cosigner Loan 7.00%
Shared Secure* 2.00%
Platinum Visa Credit Card 9.9%
Classic Visa 11.90%

*Conventional Loan Rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.



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