Rates current as of June 14, 2024.

Deposit Rates

Savings & Club Account Rates

TypeAPY*
Regular Share Savings0.05%
Christmas Club Savings0.03%
Special Needs/Sub Savings0.03%
Vacation Club Savings0.03%
Youth Account ($5 – $1,000)5.12%
Youth Account (above $1,000)0.03%

*APY = Annual Percentage Yield. $5 minimum balance to open but $300 minimum to earn interest on regular Shares. Monthly maintenance fees may be assessed if account falls below minimum balance and may reduce earnings. Rates subject to change. 

Money Market Rates

TypeAPY*
Money Market Share Account (Less than $20,000)0.50%
Money Market Share Account ($20,000 – $49,999.99)0.75%
Money Market Share Account ($50,000 – $99,999.99)1.01%
Money Market Share Account ($100,000+)1.51%

*APY = Annual Percentage Yield. Rates subject to change.

Interest Earning Checking Account Rates

TypeAPY*
Gem City Checking 
$0 min balance0.15%
$2,500 min balance0.35%
$10,000 min balance0.45%
$25,000 min balance0.50%

*APY = Annual Percentage Yield. Rates subject to change.

Share Certificate Rates

Type/TermAPY*
6 Month Certificate ($500 min.)4.85%
12 Month Certificate ($500 min.)4.80%
18 Month Certificate ($1,000 min.)4.90%
24 Month Certificate ($1,000 min.)4.25%
36 Month Certificate ($1,000 min.)4.10%
48 Month Certificate ($1,000 min.)3.95%
60 Month Certificate ($1,000 min.)3.80%

*APY = Annual Percentage Yield. Rates subject to change. Share Certificates are subject to early withdrawal penalties.

IRA Savings Rates

TypeAPY*
IRA Variable Savings Account0.10%

IRA Certificate Rates

TypeAPY*
6 Month Certificate ($500 min.)4.85%
12 Month Certificate ($500 min.)4.80%
18 Month Certificate ($1,000 min.)4.90%
24 Month Certificate ($1,000 min.)4.25%
36 Month Certificate ($1,000 min.)4.10%
48 Month Certificate ($1,000 min.)3.95%
60 Month Certificate ($1,000 min.)3.80%

*APY = Annual Percentage Yield. Must maintain a $500 minimum balance to earn interest on IRA Variable Savings Account. Rates are subject to change and may change after account opening.

Loan Rates

Vehicle Loan Rates

Typeas low as APR**
Vehicle 2021 or newer
up to 63 months6.29%
64 to 75 Months ($10,000 min)6.79%
76 to 84 Months ($20,000 min)7.79%
Vehicle 2020 & Older
up to 63 months7.09%
Motorcycle 2021 or newer
up to 63 months7.79%
Boat & RV Loan
term varies8.29%
ATV
term varies7.79%

**APR = Annual Percentage Rate. Rated shown is as low as rate. Rates may vary based on credit score, term, and age of collateral.

A $20,000 new car loan for a term of 60 months at 6.09% APR, the monthly payment would be $387.58.

Home Loan Rates
Typeas low as APR*
First MortgagePlease Call
Second Mortgage
5 Year Term8.50%
10 Year Term9.25%
15 Year Term9.50%
Home Equity Line-Of-Credit8.75%**

*APR = Annual Percentage Rate. Rates quoted as low as. Rates may vary based on credit score, term, and age of collateral.

**Home Equity Lines of Credit are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 3.25%. Maximum APR is Prime plus 4%. Upon approved credit – based on credit qualifications. Applicable interest rate varies depending on your credit qualifications and loan to value ratio. Maximum Home Equity loan is $200,000.  Consult your tax advisor for tax deductibility. Closing costs can range up to $399.

Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, DayMet Credit Union and all Mortgage Loan Officers employed by DayMet Credit Union are registered with the Nationwide Mortgage Licensing System Registry (NMLS Registry). A unique identifier (NMLS Number) has been assigned to the Credit Union and each Mortgage Loan Officer.

You are encouraged to use the NMLS Identification Number(s) to conduct additional research within the NMLS Consumer Access website. NMLS Consumer Access is a free service for consumers which provides licensing information for mortgage lending institutions and individual Mortgage Loan Officers. You may access this service by visiting the NMLS Consumer Access website at:
http://www.nmlsconsumeraccess.org.

NMLS #412460

Credit Card Rates

Typeas low as APR**
MasterCard all typesView rates

**APR = Annual Percentage Rate. Rates may vary based on credit score.

View details and disclosures.

Personal Loan Rates

Typeas low as APR**
Personal Unsecured Loan
up to 24 months8.99%
25 – 60 months10.99%
iCash Loan
18 months18.00%

**APR = Annual Percentage Rate. Rates may very based on credit score and term.

A $1,000 unsecured loan for a term of 24 months at 10.99% APR, the monthly payment would be $46.64.

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