Rates current as of June 14, 2025.
Deposit Rates
Savings & Club Account Rates
| Type | APY* |
|---|---|
| Regular Share Savings | 0.05% |
| Christmas Club Savings | 0.03% |
| Special Needs/Sub Savings | 0.03% |
| Vacation Club Savings | 0.03% |
| 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
| Type | APY* |
|---|---|
| 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% |
| Gem City Money Market Plus (Less than $20,000) | 0.50% |
| Gem City Money Market Plus ($20,000 – $49,999.99) | 0.75% |
| Gem City Money Market Plus ($50,000 – $99,999.99) | 2.05% |
| Gem City Money Market Plus ($100,000+) | 3.16% |
*APY = Annual Percentage Yield. Rates subject to change.
Interest Earning Checking Account Rates
| Type | APY* |
|---|---|
| Gem City Checking | |
| $0 min balance | 0.15% |
| $2,500 min balance | 0.35% |
| $10,000 min balance | 0.45% |
| $25,000 min balance | 0.50% |
*APY = Annual Percentage Yield. Rates subject to change.
Share Certificate Rates
| Type/Term | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 3.90% |
| 12 Month Certificate ($500 min.) | 3.95% |
| 18 Month Certificate ($1,000 min.) | 3.90% |
| 24 Month Certificate ($1,000 min.) | 3.90% |
| 36 Month Certificate ($1,000 min.) | 3.85% |
| 48 Month Certificate ($1,000 min.) | 3.95% |
| 60 Month Certificate ($1,000 min.) | 3.95% |
*APY = Annual Percentage Yield. Rates subject to change. Share Certificates are subject to early withdrawal penalties.
IRA Savings Rates
| Type | APY* |
|---|---|
| IRA Variable Savings Account | 0.10% |
IRA Certificate Rates
| Type | APY* |
|---|---|
| 6 Month Certificate ($500 min.) | 3.90% |
| 12 Month Certificate | 3.95% |
| 18 Month Certificate ($1,000 min.) | 3.90% |
| 24 Month Certificate ($1,000 min.) | 3.90% |
| 36 Month Certificate ($1,000 min.) | 3.85% |
| 48 Month Certificate ($1,000 min.) | 3.95% |
| 60 Month Certificate ($1,000 min.) | 3.95% |
*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
| Type | as low as APR** |
|---|---|
| Vehicle 2022 or newer | |
| up to 63 months | 5.69% |
| 64 to 75 Months ($10,000 min) | 6.29% |
| 76 to 84 Months ($20,000 min) | 7.39% |
| Vehicle 2021 & Older | |
| up to 63 months | 6.49% |
| Motorcycle 2022 or newer | |
| up to 63 months | 7.19% |
| Boat & RV Loan | |
| term varies | 7.69% |
| ATV | |
| term varies | 7.19% |
**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
| Type | as low as APR* |
|---|---|
| First Mortgage | Please Call |
| Second Mortgage | |
| 5 Year Term | 7.00% |
| 10 Year Term | 7.75% |
| 15 Year Term | 8.00% |
| Home Equity Line-Of-Credit | 7.75%** |
*APR = Annual Percentage Rate. Rates quoted as low as. Rates may vary based on credit score, term, and age of collateral.
A $30,000 second mortgage for a term of 60 months at 7.50% APR, the monthly payment would be $601.23.
**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
| Type | as low as APR** |
|---|---|
| MasterCard all types | View rates |
**APR = Annual Percentage Rate. Rates may vary based on credit score.
Personal Loan Rates
| Type | as low as APR** |
|---|---|
| Personal Unsecured Loan | |
| up to 36 months | 10.79% |
| 37 – 60 months | 12.89% |
| iCash Loan | |
| 18 months | 18.00% |
**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.
