Loan & Savings Rates
Savings Accounts
Effective Date: Monday, June 30th, 2025
| Savings Type | Minimum deposit required | Dividend Rate | APY* | Interest Paid |
|---|---|---|---|---|
| Share Savings | $10.00 | 0.05% | 0.05% | Monthly |
| Club Magic | $1.00 | 0.05% | 0.05% | Monthly |
| Money Market Tier 1 | $1,000.00 | 0.10% | 0.10% | Monthly |
| Money Market Tier 2 | $25,000.00 | 0.20% | 0.20% | Monthly |
| IRA | $100.00 | 0.05% | 0.05% | Quarterly |
| Fees could reduce the earnings on the account. | ||||
| 90 day interest penalty for early withdraw from certificates or IRA certificates. | ||||
Certificate of Deposit & Term IRAs
Effective Date: Monday, June 30th, 2025
| Term | Minimum deposit required | Dividend Rate | APY* | Interest Paid |
|---|---|---|---|---|
| Save to Win Certificate | $25.00 | 0.15% | 0.15% | Quarterly |
| 3 Month | $500.00 | 1.00% | 1.00% | Maturity |
| 6 Month | $500.00 | 2.30% | 2.32% | Quarterly |
| 12 Month | $500.00 | 2.50% | 2.53% | Quarterly |
| 18 Month | $500.00 | 2.65% | 2.68% | Quarterly |
| 24 Month | $500.00 | 2.70% | 2.73% | Quarterly |
| 36 Month | $500.00 | 2.85% | 2.89% | Quarterly |
| 48 Month | $500.00 | 3.10% | 3.14% | Quarterly |
| 60 Month | $500.00 | 3.25% | 3.30% | Quarterly |
| Jumbo Certificate (Jumbo rates do not apply to non-member deposits) | ||||
24 Month and over $10,000 earns 5 basis points (.05%) above regular rate | ||||
| *APY=Annual Percentage Yield. 90 day interest penalty for early withdrawal from certificates or IRA certificates. | ||||
Secured (Titled New/Used Vehicles)
Effective Date: Monday, June 30th, 2025
Cars, Trucks, Vans, Sport Utility Vehicles
| Term | APR* As Low As |
|---|---|
| 36 Months | 4.74% |
| 48 Months | 5.74% |
| 60 Months | 5.99% |
| 72 Months ($15,000+) | 6.49% |
| 73-120 Months (Boats, RVs, Motor Homes, Travel Trailers, Fifth Wheels) |
Call us |
| First Time Auto Buyer Loans (up to $20,000; 60 months maximum. ) | 10.99% |
| *APR=Annual Percentage Rate. Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000 borrowed on a loan term of 48 months at a rate of 3.00% Annual Percentage Rate is $42.98. APR varies based on model year, term, and credit score. All loans subject to approval. Membership required. | |
Other Secured (Titled/Non-Titled)
Effective Date: Monday, June 30th, 2025
Recreational Vehicles - Motorhomes, Travel Trailers, Fifth Wheelers, Jet Skis, Snowmobiles, Motorcycles, Off Road Motorcycles, All-Terrain Vehicles (ATV), Boat max length 25 feet.
| Term | APR* As Low As |
|---|---|
| Up to $10,000, max 60 months | |
| 48-60 Months | 7.25% |
| 72 Months | 7.45% |
| 84 Months | 7.55% |
| $10,000 - $60,000, max 120 months | |
| 120 Months | 7.65% |
| *APR=Annual Percentage Rate. | |
Unsecured (Closed-End)
Effective Date: Monday, June 30th, 2025
Vacation, Christmas, Medical, Bill Consolidation, etc.
| Term | APR* As Low As |
|---|---|
| Up to 24 Months | 10.99% |
| 25-48 Months | 13.00% |
| Line of Credit - Overdraft (Open-End) | 14.75% |
| MyPay Today (Terms up to 2 Months) | 18.00% |
| Summer Fun Loans | 8.99% |
| Holiday Loan | 8.99% |
| *APR=Annual Percentage Rate. | |
| Rates may vary, based on term, credit score, and loan amount. Fees and other charges may apply – contact your Credit Union representative for an official loan estimate to help you choose the loan option that best fits your needs. | |
Home Equity Loans
Effective Date: Monday, June 30th, 2025
| Name | APR* As Low As |
|---|---|
| Home Equity Line of Credit ($10,000 Minimum 60 Month Draw Period) | |
| Up to 100% of Home's Life Time Value | 8.75% |
| Under 75% of Home's Life Time Value | 7.75% |
| Term Home Equity ($7,500.00 Minimum, up to 120 Months) | Call Us |
| Community Partnership Loan | 12.75% |
| **Variable Rate Features: This plan has a variable rate feature and the ANNUAL PERCENTAGE RATE (corresponding to the periodic rate) and the minimum payment can change as a result. The ANNUAL PERCENTAGE RATE includes interest and no other costs. The ANNUAL PERCENTAGE RATE is based on the value of an index. The index is the Prime Rate published in The Wall Street Journal. When a range of rates has been published, the highest rate is used. We then add a margin to the value of the index. Contact your Credit Union representative directly for most up to date rate information. | |
VISA Cards
Effective Date: Monday, June 30th, 2025
| Card Type | Rate: Variable APR* | Rewards |
|---|---|---|
| VISA Secured | 17.50% | |
| VISA Classic | 17.50% | Travel, Gifts (Click Here for info) |
| VISA Gold | 15.50% | Travel, Gifts (Click Here for info) |
| *APR=Annual Percentage Rate. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Membership required. | ||