Rates

Rates as of 8/1/2016.

Have a question about rates? Call 800-822-6875.

APY = Annual Percentage Yield. Rates may change after accounts are opened. Fees may reduce earnings.

Checking & Savings Rates

ProductMin. Daily Avg. BalanceInterest RateAPY
Share Draft Checking $0.00 0.00% 0.00%
Holiday & Vacation Club Accounts $100.00 or more 0.05% 0.05%

Share Savings

Min. Daily Avg. BalanceInterest RateAPY
Less than $100.00 0.00% 0.00%
$100.01 - $999.99 0.05% 0.05%
$1000 or more 0.05% 0.05%

Investments

ProductTermDaily Avg. Balance/Min. DepositInterest RateAPY
Individual Retirement Accounts¹ N/A $0.00 0.25% 0.25%

High Yield Money Market²

Daily Avg. Balance/Min. DepositInterest RateAPY
$100.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $19,999.99 0.15% 0.15%
$20,000.00 - $74,999.99 0.20% 0.20%
$75,000.00 or more 0.25% 0.25%

Regular & IRA Certificates³

TermDaily Avg. Balance/Min. DepositInterest RateAPY
6 months $500.00 0.30% 0.30%
12 months $500.00 0.55% 0.55%
24 months $500.00 1.00% 1.01%
36 months $500.00 1.30% 1.31%
48 months $500.00 1.65% 1.66%
60 months $500.00 2.05% 2.07%

Bonus Certificate

TermDaily Avg. Balance/Min. DepositInterest RateAPY
24 months $50,000.00 1.10% 1.11%
36 months $50,000.00 1.40% 1.41%
48 months $50,000.00 1.75% 1.76%
60 months $50,000.00 2.15% 2.17%

Dividends are calculated based on average daily balance, paid and compounded monthly. ¹ - Yearly contributions of $3000 may be deposited ($2000 for education IRA). Contributions may be tax deductible. Early withdrawals may be subject to IRS penalties. Rollovers and transfers accepted. Dividend rate declared and paid monthly. ² - 6 transactions/withdrawals allowed monthly. Dividend rate declared and paid monthly. ³ - Interest is calculated daily, paid and compounded monthly. Early IRA withdrawals may be subject to IRS penalties. Early withdrawals also subject to DVA FCU penalties. Rollovers and transfers accepted. Certificate rates subject to change weekly.

Auto Loans

TermAPR*w/ Auto Pay Discount
up to 36 months As low as 1.24% As low as 1.14%
37 - 48 months As low as 1.49% As low as 1.39%
49 - 60 months As low as 1.99% As low as 1.89%
61 - 72 months As low as 2.99% As low as 2.89%
73 - 84 months As low as 3.99% As low as 3.89%

Motorcycle Loans

TermAPR*w/ Auto Pay Discount
up to 48 months As low as 3.99% N/A
49 - 60 months As low as 4.99% N/A

Personal Loans

TermAPR*w/ Auto Pay Discount
12 months or less As low as 5.49% N/A
13 - 24 months As low as 6.49% N/A
25 - 36 months As low as 7.49% N/A
37 - 48 months As low as 8.49% N/A
49 - 60 months As low as 9.49% N/A

Boat & RV Loans

TermAPR*w/ Auto Pay Discount
48 months or less 5.50% N/A
48 - 60 months 6.00% N/A

Visa - Variable

Credit LimitAPR*Payment
$500 - $20,000 As low as 8.99% 2.5% of balance

Your actual rate may vary

Mortgage Product Rates

2nd Lien HE Loans

Home Equity Loan - Fixed5 year10 year15 year
Up to 70% Loan to Value as low as 2.250% as low as 2.750% as low as 3.750%
70.01% - 75% Loan to Value as low as 2.500% as low as 3.000% as low as 4.000%
75.01% - 80% Loan to Value as low as 3.000% as low as 3.500% as low as 4.500%
80.01% - 85% Loan to Value as low as 4.000% as low as 4.500% as low as 5.500%

1st Lien HE loans (no 1st mortgage)

Home Equity Loan - Fixed5 year10 year15 year
Up to 70% Loan to Value as low as 2.250% as low as 2.500% as low as 3.250%
70.01% - 75% Loan to Value as low as 2.375% as low as 2.675% as low as 3.625%
75.01% - 80% Loan to Value as low as 2.500% as low as 2.750% as low as 3.750%
80.01% - 85% Loan to Value as low as 2.750% as low as 3.000% as low as 4.000%

Home Equity Line of Credit

Loan to ValueTermAPR
up to 80% Variable WSJ Prime -0.5%¹
80.01% - 85% Variable WSJ Prime +0.5%¹

Your actual rate may vary

¹ - Prime Rate is based upon the Wall Street Journal Prime interest rate rounded to the nearest 1/4%(index), plus the applicable margin. Current WSJ Prime Rate is 3.50%. The maximum rate is 18%.

² - Home owners insurance is required on all mortgage products.

Other Rates