Rates

Money Market and Savings Accounts1

Product Type
Min Deposit Balance
Min Balance for APY
APY
Rate
$2000
$2000
0.10%
0.10%
$2000
$10000
0.10%
0.10%
$2000
$25000
0.20%
0.20%
$2000
$50000
0.25%
0.25%
$2000
$100000
0.35%
0.35%
$2000
$250000
0.45%
0.45%
$25
$25
0.05%
0.05%
No minimum
No minimum
0.20%
0.20%
No minimum
No minimum
0.05%
0.05%
No minimum
No minimum
0.05%
0.05%
You can apply now in as little as 20 minutes. APPLY NOW

Savings Certificates/IRA Certificates²

Term
APY
Rates
0.30%
0.30%
0.40%
0.40%
0.50%
0.50%
1.00%
1.00%
1.15%
1.14%
1.25%
1.24%
1.50%
1.49%
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College Savings Certificates²

Term
APY
Rates
0.40%
0.40%
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Jumbo Savings Certificates²

Term
APY
Rates
0.35%
0.35%
0.45%
0.45%
0.55%
0.55%
1.04%
1.04%
1.20%
1.19%
1.30%
1.29%
1.55%
1.54%
Applying is easy, and takes place in a branch with a member of our team. Click to find the branch nearest you.

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Home Equity Rates3

Product Type
Term
Rates
10-year draw period; 15-year repayment term
4.375%
10-year draw period; 15-year repayment term
2.49%
You can apply now in as little as 20 minutes. APPLY NOW

Fixed Rate Mortgages4

Mortgages
Rates
APR
Points
3.25%
3.660%
1.000%
3.50%
3.786%
1.000%
3.875%
4.115%
1.125%
4.125%
4.311%
1.250%
You can apply now in as little as 20 minutes. APPLY NOW

Variable Rate Mortgages4

Mortgages
Rates
APR
Points
3.75%
3.834%
1.000%
4.25%
3.860%
1.000%
You can apply now in as little as 20 minutes. APPLY NOW

Consumer Loan Rates5

Product Type
Term
Rates
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Vehicle Loan Rates6

Product Type
Term
Rates
Up to 63 Months
3.19%
Up to 75 Months
3.34%
Up to 63 Months
4.09%
Up to 63 Months
2.89%
Up to 75 Months
3.09%
Up to 84 Months
3.44%
Up to 63 Months
3.19%
Up to 75 Months
3.34%
Up to 63 Months
4.09%
Up to 48 Months
8.69%
Up to 48 Months
8.69%
Up to 36 Months
2.24%
Up to 63 Months
2.74%
Up to 75 Months
2.89%
Up to 84 Months
3.24%
Up to 63 Months
2.99%
Up to 75 Months
3.14%
Up to 63 Months
3.89%
Up to 84 Months
3.84%
Up to 48 Months
8.49%
Up to 75 Months
4.89%
Up to 72 Months
7.65%
Up to 75 Months
5.09%
Up to 75 Months
5.09%
You can apply now in as little as 20 minutes. APPLY NOW

Recreation Loan Rates6

Consumer Loan
Term
Rates
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%
You can apply now in as little as 20 minutes. APPLY NOW

APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rate = Dividend Rate
Rates subject to change without notice.

1Savings and Money Market Accounts - Annual Percentage Yield (APY) is accurate as of 10/27/2016. 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.

2Savings Certificates - Annual Percentage Yield (APY) is accurate as of 10/27/2016. 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.

3Home Equity/HELOC - Promotional APR shown is available only for new Home Equity Line of Credit (HELOC) applications received on or after January 1, 2017 for a limited time. 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 January 1, 2017 that index was 3.75%; resulting APR with a 0.625% margin is 4.375%. 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. An estimated range of fees are $200 to $750. Desert Schools Federal Credit Union NMSL ID #509455

4Variable and Fixed Rate Mortgages - Rates valid on December 29, 2016. 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.

5Consumer Loan Rates - Annual Percentage Rate (APR) shown effective January 1, 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.

6Auto Loan - Annual Percentage Rate (APR) shown effective January 1, 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).