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Rates

All of our rates in one convenient location. Rates are effective October 14, 2026 and are subject to change without advanced notice.
Financial Calculators

Savings Rates

Rates are effective October 1, 2026 and are subject to change without advanced notice.

Regular Shares (Savings), Holiday Shares and IRA Shares

DescriptionDividend RateAPY* RateMinimum Amount
Regular Shares0.05%0.05%$25.00
Holiday Club Shares0.05%0.05%$25.00
IRA Shares0.05%0.05%$25.00
SMARTY Savings0.50%0.50%$5.00
Dividends are compounded daily and paid at month-end, effective the first day of each quarter. Holiday Shares may be withdrawn starting October 1st until January 31st of the following year. *APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Checking / Money Market Shares

DescriptionDividend RateAPY*Minimum Amount
Success Checking0.05%0.05%$500+
Prosperity Checking0.10%0.10%$10,000+
Teen Checking0.50%0.50%$0.00
Money Market Shares I0.60%0.60%$1,000.00-9,999.99
Money Market Shares II0.60%0.60%$10,000.00-24,999.99
Money Market Shares III0.70%0.70%$25,000-40,999.99
Money Market Shares IV0.85%0.85%$50,000+
Money Market Requirements: • Minimum Balance - Balance must be kept above $1,000.00 to maintain current money market rate. If the Money Market balance falls below $1,000.00, the rate will revert to the Regular Share interest rate. • Withdrawals – The Maximum withdrawal limit is three per month without a service charge. A withdrawal is considered any cash withdrawal, transfer or the issuance of a check either by telephone or in person. • Charges – A $10.00 fee will be incurred for any withdrawal over three. This charge will be posted at the end of each month. *APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Regular Term Certificates

DescriptionDividend RateAPY*Minimum Amount
3 Month Certificate0.10%0.10%$500.00
6 Month Certificate1.933%1.95%$500.00
6-Month Add-on Certificate1.933%1.95%$100.00
12 Month Certificate1.982%2.00%$500.00
18 Month Certificate2.031%2.05%$500.00
24 Month Certificate1.982%2.00%$500.00
24 Month Add-on Certificate1.982%2.00%$100.00
30 Month Certificate2.031%2.05%$500.00
36 Month Certificate2.080%2.10%$500.00
48 Month Certificate2.178%2.20%$500.00
60 Month Certificate2.325%2.35%$500.00
Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 540 days dividends. *APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Jumbo Term Certificates

DescriptionDividend RateAPY*Minimum Amount
6 Month Certificate2.080%2.10%$50000.00
12 Month Certificate2.129%2.15%$50000.00
24 Month Certificate2.227%2.25%$50000.00
36 Month Certificate2.335%2.35%$50000.00
48 Month Certificate2.423%2.45%$50000.00
60 Month Certificate2.570%2.60%$50000.00
Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 6 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. *APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Traditional IRA and ROTH IRA Term Certificates

DescriptionDividend RateAPY*Minimum Amount
12 Month Certificate1.982%2.00%$500.00
24 Month Certificate2.080%2.10%$500.00
36 Month Certificate2.178%2.20%$500.00
48 Month Certificate2.276%2.30%$500.00
60 Month Certificate2.423%2.45%$500.00
Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 540 days dividends. *APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Loan Rates

Rates are effective July 1, 2026 and are subject to change without advanced notice.

New and Used Automobile

PaperCredit ScoreAPR*
A+ 53800 & Higher5.74%
A+ 52780 - 7995.74%
A+ 51760 - 7795.84%
A+740 - 7595.94%
A720 - 7396.80%
B+700 - 7797.59%
B680 - 6997.85%
C+660 - 6799.39%
C640 - 65912.14%
D+600 - 63914.64%
E< 60018.00%
*APR=Annual Percentage Rate LTV is NADA Adjusted Retail Book plus taxes, D & I, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus one before) with less than 2,000 miles are based on MSRP. Also, high inspection required on Older Used (2018 and Older) Automobiles. Auto Loan Payment Example: An auto loan of $25,000 for 60 months at 6.39% APR will have a monthly payment of $487.80.

Auto loan amounts must be $18,000 or higher to qualify for terms greater than 60 months. Auto loan amounts must be $18,000 or higher to qualify for terms greater than 60 months. All loans are subject to credit approval and membership eligibility. Other restrictions may apply. 

Classic and Exotic Automobile

PaperA+ RateA RateB RateC RateD Rate
Maximum LTV%100%100%100%85%N/A
% Rate as7.99%7.99%7.99%7.99%N/A
Paper B or higher will finance 100% of Retail Value. Paper C maximum of 85% of Retail Value.

New/Used Recreational Vehicles

PaperA+ RateA RateB RateC RateD Rate
Up to 120 Months8.49%8.75%9.69%12.49%N/A
Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term is 72 months.

New Motorcycle

PaperA+ RateA RateB RateC RateD Rate
Up to 60 Months8.24%8.74%10.24%13.74%N/A
Finance 90% NADA Loan Value. 10% trade or cash down payment required.

Used Motorcycle

PaperA+ RateA RateB RateC RateD Rate
Maximum LTV90%85%80%75%N/A
Up to 48 Months8.99%9.99%10.99%14.74%N/A
The current rates are evaluated by the Board of Directors. Terms vary based on value and year of application. Subject to member credit qualification.

Multi-Collateral Secured

PaperA+ RateA RateB RateC RateD Rate
as low as9.74%10.24%11.24%13.24%15.24%
100% secured over NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven (7) years.

Mixed-Collateral Partially Secured

PaperA+ RateA RateB RateC RateD Rate
as low as11.24%11.75%12.75%14.74%16.00%
A & B Paper Current NADA Retail Value and 2x gross monthly income C Paper Current NADA Retail Value and 1.5x gross monthly income D+ Paper Current NADA Retail Value and 1x gross monthly income

Real Estate and Home Equity Closed End Loans Up To 20 Years

PaperCredit ScoreAPR* RateLTV
A+760 & above6.75%Up to 95%
A740-7597.25%Up to 95%
B+720-7397.50%Up to 95%
B700-7198.00%Up to 95%
C+679-6998.25%Up to 95%
C660-6788.50%Up to 85%
D659 & below8.75%Up to 75%
Mortgage Loan Payment Examples:

Loan TypeTermInterest RateAPREstimated Monthly Payment (for $250,000)
Conventional Fixed Rate15 years5.875%5.933%$2,093
Conventional Fixed Rate20 years6.375%6.422%$1,846
Conventional Fixed Rate30 years6.500%6.536%$1,580
Fixed Rate Second Mortgage20 years6.75% – 8.75%6.98% – 9.05%$1,910 – $2,220
  *APR= Annual Percentage Rate Examples are estimates and assume owner-occupied property, maximum loan amount of $250,000, and standard closing costs. Actual rates and payments vary by credit, LTV, and qualifications.

HELOC (Line of Credit)

PaperCredit ScoreRateMARGINLTV
A+760 & abovePRIME+0.00%Up to 95%
A740-759PRIME+0.50%Up to 95%
B+720-739PRIME+0.75%Up to 95%
B700-719PRIME+1.00%Up to 95%
C+679-699PRIME+1.25%Up to 95%
C660-678PRIME+2.00%Up to 85%
D659 & belowPRIME+2.25%Up to 75%
• Terms: 10 year Draw period, up to 15 years to repay the balance. • Payment: 1% of outstanding principal balance with minimum payment of $100.00. • HELOC has a floor rate of 5.00% APR, and a ceiling rate of 18% APR. • Note: Current WSJ Prime is 7.00% APR • Closing cost is $399.00  

Personal Advance

PaperA+ RateA RateB RateC RateD Rate
as low as10.74%11.24%12.74%14.74%17.99%
Personal Loan Payment Example: A personal loan of $20,000 for 36 months at 10.74% APR will have a monthly payment of $652.85. Borrow up to $20,000 with a personal loan from The District Credit Union. Loan approval, APR, and loan amount are based on creditworthiness and other qualifying factors. Membership required. Additional terms and conditions may apply.

Preferred LOC

PaperA+ RateA RateB RateC RateD Rate
9.74%10.24%11.74%13.74%N/A

Credit Cards Rates

Rates are effective October 1, 2026 and are subject to change without advanced notice.

Miscellaneous Loans

LoanAPR* Rate
Mastercard Classic14.90%
Mastercard Platinum8.90%
Share Overdraft/QuickFix18.00%
Share SecuredShare APR Rate + 3%
Share CertificateCD APR Rate + 3%
Maximum term on Shared Secured is 60 months. Click here for Mastercard® Credit Card Disclosures. *APR= Annual Percentage Rate
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New and Used Automobile

PaperCredit ScoreRate