Auto Loans1

PRODUCT TYPE
TERM
APR AS LOW AS
Up to 63 Months
3.54%
Up to 75 Months
3.69%
Up to 63 Months
4.44%
Up to 63 Months
2.99%
Up to 75 Months
3.44%
Click here to view all remaining auto loan years and terms
-
-

1Annual Percentage Rate (APR) shown effective November 21, 2017 and may change without notice. “As low as” APR shown assumes excellent borrower credit history and includes a .25% discount which requires Relationship Rewards Level of Achieve at the time of application. Additional discounts may apply. Actual rates and APRs dependent upon credit history, type of product, loan term and loan to value (LTV). All loans subject to credit approval. Monthly Payment Example: Financing a New Auto Loan (2016 or newer) in the amount of $20,000 for 63 months at 2.49% APR will have a monthly payment of $343.46.

Home Equity

PRODUCT TYPE
TERM
APR AS LOW AS
10-year draw period; 15-year repayment term
4.875%
10-year draw period; 15-year repayment term
2.99%

Mortgages

MORTGAGES
RATE
APR
POINTS
4.00%
4.834%
-0.375%
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

FHA 30 Year Fixed
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment1
4.00%
4.834%
$267,000
25%
30 yrs
$956.02
Rates valid on November 21, 2017. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
3.75%
3.971%
-0.125%
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

15 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment1
3.75%
3.971%
$267,000
25%
15 yrs
$1,456.26
Rates valid on November 21, 2017. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
4.00%
4.146%
0.250%
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account.

CONFORMING LOAN

30 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment1
4.00%
4.146%
$267,000
25%
30 yrs
$956.02
Rates valid on November 21, 2017. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
3.25%
3.955%
0.250%
Purchase Rate Assumptions and APR Information
Today’s purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740, and assumes the loan will have an escrow account and down payment of 25%.

CONFORMING LOAN

5/1 DS Portfolio
Interest Rate
APR
Loan Amount
Down Payment
3.25%
3.955%
$267,000
25%
Months
Rate
Payment1
60
3.25%
$871.50
299
3.25%
$871.50
1
3.25%
$871.50
Rates valid on November 21, 2017 10:00AM Mountain Standard Time. Adjustable Rate is based on an index (1 year LIBOR) plus a margin. APR may increase after consummation. Chart data is for illustrative purposes only, is based upon stated loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 25% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available

1APR= Annual Percentage Rate. Promotion applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Relationship Rewards Prosper members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On July 1, 2017 that index was 4.25%; resulting APR with a 0.625% margin is 4.875%. Floor rate at the end of the initial 12-month period is 3.50%. APR will never exceed 18.00%. "As low as" rate assumes excellent borrower credit history, loan amounts $75,000 or more, 60% or less Loan-to-Value and includes a .25% discount which requires Relationship Rewards level of Achieve at the time of application. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan to value (LTV). This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 15-year repayment term. Eligible property includes single family, owner-occupied, primary residence and vacation homes (located in AZ only). Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility. All loans subject to credit approval. Not all customers will qualify for this promotional offer.

2Annual Percentage Rate (APR) is shown effective November 21, 2017 and may change without notice. “As low as” rate assumes excellent borrower credit history, loan amounts of $75,000 or more, 60% or less Loan-to-Value and includes a .25% discount, which requires Relationship Rewards level of Achieve at the time of application. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Actual rates and APRs may vary and are dependent on credit history, type of product, loan term and other conditions. Minimum monthly payment will be principal and interest amortized over a 15-year repayment term. For example, on a $75,000 15 year (180 month) loan with an interest rate of 5.375%, in effect August 2017, the monthly payment would be $608.01. Closing costs are waived unless the loan is paid off within the first three years. An estimated range of fees is $200 to $750. Eligible property includes single family, owner-occupied, primary residence and vacation homes (located in AZ only). Property insurance is required. Interest may be tax deductible. Consult your tax professional regarding deductibility. All loans subject to credit approval. Desert Schools Federal Credit Union NMLS ID #509455.

Recreational Loans1

PRODUCT TYPE
TERM
APR AS LOW AS
Up to 180 Months
5.75%
Up to 180 Months
6.75%
Up to 60 Months
9.75%
Up to 72 Months
10.50%
Up to 48 Months
10.75%
Up to 60 Months
11.50%
Up to 48 Months
10.75%
Up to 60 Months
11.50%
Up to 180 Months
5.75%

Unsecured Loans

PRODUCT TYPE
TERM
APR AS LOW AS

1Annual Percentage Rate (APR) shown effective November 21, 2017 and may change without notice. “As low as” APR shown assumes excellent borrower credit history and includes a .25% discount which requires a Relationship Rewards Level of Achieve at the time of application. Additional discounts may apply. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval. Monthly Payment Example: Financing a New Motorcycle in the amount of $10,000 for 60 months at 9.75% APR will have a monthly payment of $211.24.

2Annual Percentage Rate (APR) shown effective November 21, 2017 and may change without notice. “As low as” APR shown assumes excellent borrower credit history and includes a .25% discount which requires a Relationship Rewards Level of Achieve at the time of application. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval.

3Annual Percentage Rate (APR) shown effective November 21, 2017 and may change without notice. “As low as” APR shown assumes excellent borrower credit history and includes a .25% discount which requires a Relationship Rewards Level of Achieve at the time of application. Additional discounts may apply. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval. APR may vary after the account is opened.

 

Savings Accounts1

PRODUCT TYPE
MIN. BALANCE APY
APY
RATES
$25
0.05%
0.05%
No minimum
0.20%
0.20%
No minimum
0.05%
0.05%
No minimum
0.05%
0.05%

1Annual Percentage Yield (APY) is accurate as of November 21, 2017. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

Money Market1

MONEY MARKET
APY
0.45%

1Annual Percentage Yield (APY) is accurate as of November 21, 2017. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.

Savings & IRA Certificates1

TERM
APY
RATES
0.40%
0.40%
0.60%
0.60%
0.65%
0.65%
1.16%
1.15%
1.40%
1.39%
1.50%
1.49%
1.75%
1.74%

Jumbo Savings Certificates1

TERM
APY
RATES
0.45%
0.45%
0.65%
0.65%
0.70%
0.70%
1.20%
1.19%
1.45%
1.44%
1.55%
1.54%
1.80%
1.79%

College Savings Certificate1

TERM
APY
RATES
0.65%
0.65%

1Annual Percentage Yield (APY) is accurate as of November 21, 2017. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties apply. For complete terms and conditions, refer to the Statements of Terms, Conditions and Disclosures. Minimum opening account balance for jumbo certificates: $100,000. Minimum opening account balance for all other certificates: $1,000.