Rates


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Rates listed are "as low as", include all possible discounts, may vary based on credit qualifications and terms, and subject to change at any time. For more information, call us at (804) 748.9488 or (800) 94.DFFCU.

Last Update: July 23, 2010.

Loans                  APR*                     Terms                                              
New & Used Cars, Trucks & Motorcycles (Model Year 2010 & 2009) 3.25% - 5.00% 36 - 84 mos. Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008 & 2007)
with less than 50,000 miles
3.75% - 5.50% 36 - 84 mos. Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008-2004)
with more than 50,000 miles
4.50% - 6.25% 36 - 84 mos. Calculator
New Boats & RVs 6.25% up to 72 mos. Calculator
New Boats & RVs 8.00% 73 - 180 mos. Calculator
Used Boats & RVs 8.50% up to 72 mos. Calculator
Used Boats & RVs 10.25% 73 - 180 mos. Calculator
Personal Loans 8.50% up to 60 mos. Calculator
Savings Secured (Share Rate + 3% - Floor rate of 3%)   up to 60 mos. Calculator
Certificate Secured (CD Rate +3%)   up to 60 mos. Calculator
Overdraft Protection 15.00% up to 36 mos. Calculator
Personal Line of Credit 8.50% up to 36 mos. Calculator
Visa Platinum Credit Card 5.24% n/a Calculator
Mortgage/Home Equity - Click Here    


*APR = Annual Percentage Rate (Rate as low as) Back to Top

Vehicle Loans

All APR's above are for titled vehicles and boats within the model years shown above. For untitled or older vehicles and boats, our personal loan rates apply. The value of the vehicle is based on the MSRP or retail value as determined by a credit union approved source. For example: 3.25% APR would equal a payment of $29.19 per $1,000 borrowed for 36 months.  

Personal Loans
For example, if you financed $3,500 at 8.50% APR, you would have a monthly payment of $110.49 for 36 months.

Line of Credit
Payment on overdraft protection loans are based on a 36-month term; with a minimum payment of $45.50 per month.

Credit Cards
The APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the highest prime interest rate published in the Eastern Edition of The Wall Street Journal in effect on the last day of the month of each calendar quarter plus (ii) the margin rate of 1.99%-12.99%. Maximum Rate of 17.99%.
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EFFECTIVE: Month of July, 2010
Savings, Checking, MMA's Minimum
Balance
Dividend
Rate
APY** Term
Primary Share $ 100 0.25 0.25 n/a
Clubs $ 100 0.25 0.25 n/a
Checking   0.10 0.10 n/a
IRA Shares $ 100 0.25 0.25 n/a
Money Management Accounts ($1,000 - $19,999) $ 1,000 0.35 0.35 n/a
Money Management Accounts ($20,000 - $49,999) $20,000 0.45 0.45 n/a
Money Management Accounts ($50,000 - $99,999) $50,000 0.55 0.55 n/a
Money Management Accounts ($100,000 - $249,999) $100,000 0.65 0.65 n/a
Money Management Accounts ($250,000 +) $250,000 1.10 1.11 n/a

**APY = Annual Percentage Yield.
Annual percentage yields (APY) are subject to change after account is opened. Fees may reduce earnings on your account.
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Certificates Minimum
Balance
Dividend
Rate
APY** Term  
Certificates $ 500 0.50 0.50 6 mo
Certificates $ 500 1.15 1.15 12 mo
Certificates $ 500 1.45 1.46 24 mo
Certificates $ 500 2.00 2.02 36 mo
Certificates $ 500 2.35 2.37 48 mo
Certificates $ 500 2.55 2.57 60 mo
SPECIAL: 1 Penalty Free Withdrawal Term Share Certificate $ 500 1.00 1.00 13 mo
JUMBO Share Certificate $ 50,000 1.65 1.66 24 mo
YouthSavers Share Certificate $ 500 0.50 0.50 3 mo

**APY = Annual Percentage Yield

On all Term Share Certificates, other than the 1 penalty free on the 13 month certificate, a penalty will be imposed for early withdrawal. 13 MONTH SHARE CERTIFICATE CONDITIONS - No withdrawals without the certificate. One withdrawal during the term of the account. If the account balance falls below $500 the account must be CLOSED.
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IRA Certificates Minimum
Balance
Dividend
Rate
APY** Term  
IRA Certificates $ 500 1.15 1.15 12 mo
IRA Certificates $ 500 1.45 1.46 24 mo
IRA Certificates $ 500 2.00 2.02 36 mo
IRA Certificates $ 500 2.35 2.37 48 mo
IRA Certificates $ 500 2.55 2.57 60 mo
JUMBO Share Certificate $ 50,000 1.65 1.66 24 mo

**APY = Annual Percentage Yield, compounded quarterly
Penalty will be imposed for early withdrawal on all IRA Certificates. 
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