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Digital Federal Credit Union rates: up to 11.35% APR

Savings

Product	Term / tier	Rate	Basis	Recorded	Change
Advantage Savings	No minimum	3.00%	APY	2026-11-01	since 2026-11-01
Legacy Member Described Savings closed to new customers	On $100+ daily balance	0.15%	APY	2026-11-01	since 2026-11-01
Legacy Smart Savings closed to new customers	No minimum	1.51%	APY	2026-11-01	since 2026-11-01
Primary Savings	Up to and including the first $1,000.00	5.00%	APY	2026-11-01	since 2026-11-01
Savings IRA	No Minimum Balance	0.20%	APY	2026-11-01	since 2026-11-01

CDs

Product	Term / tier	Rate	Basis	Recorded	Change
Certificate IRA	3 Months · from $500	3.00%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	3 Months · from $25,000	3.25%	APY	2026-11-01	since 2026-11-01
Regular Certificate	3 Months · from $500	3.00%	APY	2026-11-01	since 2026-11-01
Certificate IRA	6 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	6 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Regular Certificate	6 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Certificate IRA	9 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	9 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Regular Certificate	9 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Certificate IRA	12 Months · from $500	3.50%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	12 Months · from $25,000	3.75%	APY	2026-11-01	since 2026-11-01
Regular Certificate	12 Months · from $500	3.50%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Certificate closed to new customers	15 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Certificate IRA closed to new customers	15 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Jumbo Certificate closed to new customers	15 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Jump-Up Certificate IRA	18 Months · from $500	3.50%	APY	2026-11-01	since 2026-11-01
Jump-Up Jumbo Certificate	18 Months · from $25,000	3.75%	APY	2026-11-01	since 2026-11-01
Jump-Up Regular Certificate	18 Months · from $500	3.50%	APY	2026-11-01	since 2026-11-01
Jump-Up Certificate IRA	24 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jump-Up Jumbo Certificate	24 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Jump-Up Regular Certificate	24 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Certificate closed to new customers	27 Months · from $500	3.00%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Certificate IRA closed to new customers	27 Months · from $500	3.00%	APY	2026-11-01	since 2026-11-01
Legacy Jump-Up Jumbo Certificate closed to new customers	27 Months · from $25,000	3.25%	APY	2026-11-01	since 2026-11-01
Certificate IRA	36 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	36 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Regular Certificate	36 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Certificate IRA	48 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	48 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Regular Certificate	48 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Certificate IRA	60 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01
Jumbo Certificate	60 Months · from $25,000	3.50%	APY	2026-11-01	since 2026-11-01
Regular Certificate	60 Months · from $500	3.25%	APY	2026-11-01	since 2026-11-01

Money market

Product	Term / tier	Rate	Basis	Recorded	Change
Money Market IRA	$1,000.00 to $9,999.99	1.71%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$10,000.00 to $24,999.99	1.71%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$25,000.00 to $49,999.99	1.77%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$50,000.00 to $99,999.99	1.77%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$100,000.00 to $249,999.99	3.13%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$250,000.00 to $499,999.99	3.25%	APY	2026-11-01	since 2026-11-01
Money Market IRA	$500,000.00 or more	3.50%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$1,000.00 to $9,999.99	1.71%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$10,000.00 to $24,999.99	1.71%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$25,000.00 to $49,999.99	1.77%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$50,000.00 to $99,999.99	1.77%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$100,000.00 to $249,999.99	3.13%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$250,000.00 to $499,999.99	3.25%	APY	2026-11-01	since 2026-11-01
Money Market Savings	$500,000.00 or more	3.50%	APY	2026-11-01	since 2026-11-01

Checking

Product	Term / tier	Rate	Basis	Recorded	Change
Free Business Checking	No minimum	0.00%	APY	2026-11-01	since 2026-11-01
Free Checking	No Minimum	0.00%	APY	2026-11-01	since 2026-11-01
HSA Checking	less than $1,000	0.10%	APY	2026-11-01	since 2026-11-01
HSA Checking	$1,000 to $9,999.99	0.10%	APY	2026-11-01	since 2026-11-01
HSA Checking	$10,000 to $24,999.99	0.10%	APY	2026-11-01	since 2026-11-01
HSA Checking	$25,000 to $49,999.99	0.10%	APY	2026-11-01	since 2026-11-01
HSA Checking	$50,000 to $99,999.99	0.10%	APY	2026-11-01	since 2026-11-01
HSA Checking	$100,000 or more	0.10%	APY	2026-11-01	since 2026-11-01
Legacy Free Business Checking with Business Earn More closed to new customers	$0.01	0.10%	dividend	2026-11-01	since 2026-11-01
Legacy Free Checking with Earn More closed to new customers	Up to and including the first $1,000	0.20%	APY	2026-11-01	since 2026-11-01
Legacy Free Checking with Earn More closed to new customers	1,000.01 and above · from $1,000.01	0.20%	APY	2026-11-01	since 2026-11-01

Auto loans

Product	Term / tier	Rate	Basis	Recorded	Change
Auto Loan	Up to 36 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Loan	Up to 48 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Loan	Up to 65 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Loan	Up to 72 Months	5.49%	APR	2026-11-01	since 2026-11-01
Auto Loan	Up to 84 Months	6.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing	Up to 36 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing	Up to 48 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing	Up to 65 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing	Up to 72 Months	5.49%	APR	2026-11-01	since 2026-11-01
Auto Refinancing	Up to 84 Months	6.99%	APR	2026-11-01	since 2026-11-01
Boat Loan	Up to 60 Months	8.99%	APR	2026-11-01	since 2026-11-01
Boat Loan	Up to 72 Months	9.49%	APR	2026-11-01	since 2026-11-01
Boat Loan	Up to 84 Months	9.99%	APR	2026-11-01	since 2026-11-01
Boat Loan	Up to 120 Months	10.49%	APR	2026-11-01	since 2026-11-01
Boat Loan	Up to 180 Months	10.49%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan	Up to 36 Months	8.24%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan	Up to 48 Months	8.24%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan	Up to 65 Months	8.24%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan	Up to 72 Months	9.24%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan	Up to 84 Months	10.74%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan	Up to 60 Months	8.99%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan	Up to 72 Months	9.49%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan	Up to 84 Months	9.99%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan	Up to 120 Months	10.49%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan	Up to 180 Months	10.49%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 36 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 48 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 65 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 72 Months	9.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 84 Months	10.74%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan	Up to 120 Months	10.74%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan	Up to 36 Months	10.85%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan	Up to 48 Months	11.10%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan	Up to 60 Months	11.35%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan	Up to 36 Months	10.85%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan	Up to 48 Months	11.10%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan	Up to 60 Months	11.35%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan	Up to 36 Months	6.25%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan	Up to 48 Months	6.50%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan	Up to 60 Months	7.00%	APR	2026-11-01	since 2026-11-01
Auto Loan not on page at last check	Up to 36 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing not on page at last check	Up to 36 Months	4.99%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan not on page at last check	Up to 36 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 36 Months	8.24%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan not on page at last check	Up to 36 Months	10.85%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan not on page at last check	Up to 36 Months	10.85%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan not on page at last check	Up to 36 Months	6.25%	APR	2026-11-01	since 2026-11-01
Auto Loan not on page at last check	Up to 48 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing not on page at last check	Up to 48 Months	4.99%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan not on page at last check	Up to 48 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 48 Months	8.24%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan not on page at last check	Up to 48 Months	11.10%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan not on page at last check	Up to 48 Months	11.10%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan not on page at last check	Up to 48 Months	6.50%	APR	2026-11-01	since 2026-11-01
Boat Loan not on page at last check	Up to 60 Months	8.99%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan not on page at last check	Up to 60 Months	8.99%	APR	2026-11-01	since 2026-11-01
Off-Road Motorcycle Loan not on page at last check	Up to 60 Months	11.35%	APR	2026-11-01	since 2026-11-01
Small Recreational Vehicle Loan not on page at last check	Up to 60 Months	11.35%	APR	2026-11-01	since 2026-11-01
Street Motorcycle Loan not on page at last check	Up to 60 Months	7.00%	APR	2026-11-01	since 2026-11-01
Auto Loan not on page at last check	Up to 65 Months	4.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing not on page at last check	Up to 65 Months	4.99%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan not on page at last check	Up to 65 Months	8.24%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 65 Months	8.24%	APR	2026-11-01	since 2026-11-01
Auto Loan not on page at last check	Up to 72 Months	5.49%	APR	2026-11-01	since 2026-11-01
Auto Refinancing not on page at last check	Up to 72 Months	5.49%	APR	2026-11-01	since 2026-11-01
Boat Loan not on page at last check	Up to 72 Months	9.49%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan not on page at last check	Up to 72 Months	9.24%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan not on page at last check	Up to 72 Months	9.49%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 72 Months	9.24%	APR	2026-11-01	since 2026-11-01
Auto Loan not on page at last check	Up to 84 Months	6.99%	APR	2026-11-01	since 2026-11-01
Auto Refinancing not on page at last check	Up to 84 Months	6.99%	APR	2026-11-01	since 2026-11-01
Boat Loan not on page at last check	Up to 84 Months	9.99%	APR	2026-11-01	since 2026-11-01
Classic and Antique Auto Loan not on page at last check	Up to 84 Months	10.74%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan not on page at last check	Up to 84 Months	9.99%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 84 Months	10.74%	APR	2026-11-01	since 2026-11-01
Boat Loan not on page at last check	Up to 120 Months	10.49%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan not on page at last check	Up to 120 Months	10.49%	APR	2026-11-01	since 2026-11-01
Mobility Vehicle Loan not on page at last check	Up to 120 Months	10.74%	APR	2026-11-01	since 2026-11-01
Boat Loan not on page at last check	Up to 180 Months	10.49%	APR	2026-11-01	since 2026-11-01
Large Recreational Vehicle Loan not on page at last check	Up to 180 Months	10.49%	APR	2026-11-01	since 2026-11-01

Sources and evidence

Page	Last captured	Last result	Digest
www.dcu.org/about/rates.html	2026-11-01 11:51 UTC	ok	0feb0c9a019a