What are the current interest rates at Dfcu Financial Credit Union?

Current rates for Dfcu Financial Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 4.40%, Savings: 3.00%, MMA: 3.70%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Dfcu Financial Credit Union

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Dfcu Financial Credit Union Rates & Review October 2026

Q: Is a member application needed to join Dfcu Financial Credit Union?

Yes, to access services at Dfcu Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dfcu Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Dfcu Financial Credit Union's top rates as of October 13, 2026 are 4.40% APY on its 2 Year Business CDs CD, 3.00% APY on savings, 3.70% APY on money market accounts, 0.02% APY on checking, and personal loans from 15.24% APR, according to rates verified by MonitorBankRates. Other Dfcu Financial Credit Union CD rates include 2 Year CDs at 4.40%, 11 Month Business CDs at 4.25%, and 11 Month CDs at 4.25%. MonitorBankRates evaluates the financial stability of Dfcu Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.86%. Rates last updated and verified on 10/13/2026.

Dfcu Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dfcu Financial Credit Union? Share your experience about Dfcu Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Dfcu Financial Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.86%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dfcu Financial Credit Union
DFCU Financial

400 Town Center Dr
Dearborn, MI 48126

https://www.dfcufinancial.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Dfcu Financial Credit Union CD Rates

Product	Rate	APY	Term
2 Year Share Certificates	-	4.40%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $24,999; Tier 1 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
2 Year Share Certificates	-	4.40%	2 year
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $99,999; Tier 1 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
2 Year Share Certificates	-	4.40%	2 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and up; Tier 1 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Share Certificates	-	4.25%	11 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $24,999; Limited time offer; Dividends compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Share Certificates	-	4.25%	11 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $99,999; Limited time offer; Dividends compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Share Certificates	-	4.25%	11 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and up; Limited time offer; Dividends compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Share Certificates	-	4.00%	6 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Share Certificates	-	4.00%	6 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Share Certificates	-	4.00%	6 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Share Certificates	-	3.75%	3 months
Min Balance $1,000 Details Balance: $1,000 to $24,999; Rates effective as of 10/13/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Share Certificates	-	3.75%	3 months
Min Balance $25,000 Details Balance: $25,000 to $99,999; Rates effective as of 10/13/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Share Certificates	-	3.75%	3 months
Min Balance $100,000 Details Balance: $100,000 and up; Rates effective as of 10/13/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Share Certificates - 3 month	-	3.75%	3 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 to $99,999; Dividends compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Share Certificates - 3 month	-	3.75%	3 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and up; Dividends compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Share Certificates	-	3.50%	1 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999; Tiered rate based on Certificate balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Share Certificates	-	3.50%	1 year
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $99,999; Tiered rate based on Certificate balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Share Certificates	-	3.50%	1 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and up; Tiered rate based on Certificate balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Share Certificates	-	4.40%	2 year
Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
2 Year Business Share Certificates	-	4.40%	2 year
Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
2 Year Business Share Certificates	-	4.40%	2 year
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Business Share Certificates	-	4.25%	11 month
Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Business Share Certificates	-	4.25%	11 month
Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
11 Month Business Share Certificates	-	4.25%	11 month
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Business Share Certificates	-	4.00%	6 month
Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Business Share Certificates	-	4.00%	6 month
Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 month Business Share Certificates	-	4.00%	6 month
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Business Share Certificates	-	3.75%	3 months
Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Business Share Certificates	-	3.75%	3 months
Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 month Business Share Certificates	-	3.75%	3 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Business Share Certificates	-	3.50%	1 year
Min Balance $1,000 Details Balance: $1,000 to $24,999; Tier 1; Dividends are paid from current income and available earnings; APY based on $1,000 or minimum balance requirements, whichever is higher Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Business Share Certificates	-	3.50%	1 year
Min Balance $25,000 Details Balance: $25,000 to $99,999; Tier 1; Dividends are paid from current income and available earnings; APY based on $1,000 or minimum balance requirements, whichever is higher Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
1 Year Business Share Certificates	-	3.50%	1 year
Min Balance $100,000 Details Balance: $100,000 and up; Tier 1; Dividends are paid from current income and available earnings; APY based on $1,000 or minimum balance requirements, whichever is higher Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Savings Rates

Product	Rate	APY
Holiday and Special Savings Account	-	0.02%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings	-	0.02%
Details Rates effective as of 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Savings Account - Savings	-	0.02%
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	-	3.00%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	2.75%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	2.50%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	2.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	1.50%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	0.50%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Savings	-	0.02%
Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	-	3.70%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	3.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	3.15%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	2.85%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.15%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.05%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.02%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Insured Money Market Account	-	0.02%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	-	0.02%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Business Money Market Rates

Product	Rate	APY
Business Insured Money Market	-	3.00%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	2.75%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	2.50%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	2.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	1.50%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	0.50%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Insured Money Market	-	0.02%
Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Checking Rates

Product	Rate	APY
Interest Checking Plus	-	0.02%
Min Deposit $20 Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.02%
Min Deposit $20 Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.02%
Min Deposit $20 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.01%
Min Deposit $20 Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.01%
Min Deposit $20 Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.01%
Min Deposit $20 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking Plus	-	0.01%
Min Deposit $20 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking Plus	-	0.02%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.02%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.02%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.01%
Min Balance $0 Details Balance: $0 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.01%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.01%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Business Interest Checking Plus	-	0.01%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Closed End Home Equity Loan	-	-	6.49%	60 Months
Details As Low As; Max CLTV: <=80%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	6.75%	-	6.75%
Details Credit Limit: $100,000 - $249,999; CLTV: <=50% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	7.00%	-	7.00%
Details Credit Limit: $10,000 - $24,999; CLTV: <=50% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Closed End Home Equity Loan	-	-	7.24%	120 Months
Details As Low As; Max CLTV: <=80%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 7.24% ▼ 0.75 pts · high 7.99% / low 7.24% Sep 18, 20267.24%▼ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Closed End Home Equity Loan	-	-	7.24%	60 Months
Details As Low As; Max CLTV: >80% <=90%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Sep 18, 20267.24%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	7.25%	-	7.25%
Details Credit Limit: $100,000 - $249,999; CLTV: 61-80% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	7.50%	-	7.50%
Details Credit Limit: $10,000 - $24,999; CLTV: 61-80% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Closed End Home Equity Loan	-	-	7.99%	120 Months
Details As Low As; Max CLTV: >80% <=90%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Closed End Home Equity Loan	-	-	8.24%	180 Months
Details As Low As; Max CLTV: <=80%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	8.50%	-	8.50%
Details Credit Limit: $100,000 - $249,999; CLTV: 81-90% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit	8.75%	-	8.75%
Details Credit Limit: $10,000 - $24,999; CLTV: 81-90% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Closed End Home Equity Loan	-	-	8.99%	180 Months
Details As Low As; Max CLTV: >80% <=90%; Max Variable Term: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle with Auto Pay from DFCU Account	-	-	5.34%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle with Auto Pay from DFCU Account	-	-	5.49%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - New Vehicle with Auto Pay from DFCU Account	-	-	5.59%	61 to 83 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - New Vehicle without Auto Pay	-	-	5.59%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle with Auto Pay from DFCU Account	-	-	5.74%	61 to 83 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle without Auto Pay	-	-	5.74%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - New Vehicle without Auto Pay	-	-	5.84%	61 to 83 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle without Auto Pay	-	-	5.99%	61 to 83 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - New Vehicle with Auto Pay from DFCU Account	-	-	6.34%	84 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle with Auto Pay from DFCU Account	-	-	6.49%	84 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - New Vehicle without Auto Pay	-	-	6.59%	84 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Auto Loan - Used Vehicle without Auto Pay	-	-	6.74%	84 months
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans	-	6.74%	36 months or less
Details As Low As; Fixed APR; Max Fixed Terms: Ask for details; Boat, RV, and Motorhome Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Boat Loans	-	6.99%
Details As Low As; Loan Amount: $35,001 - $350,000; Max Fixed Terms: Ask for details Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Recreational Vehicle Loans	-	7.24%	37 months or more
Details As Low As; Fixed APR; Max Fixed Terms: Ask for details; Boat, RV, and Motorhome Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Boat Loans	-	7.49%
Details As Low As; Loan Amount: $5,000 - $35,000; Max Fixed Terms: Ask for details Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	15.24%	60 Months
Details As Low As; Fixed APR; Variable APR: N/A; Loan amount: $1,000 minimum to $10,000 maximum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Personal Lines of Credit Loan	16.50%
Details Variable APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Dfcu Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Share Loan	-	-	6.00%	60 Months
Details Fixed APR; Variable APR: N/A; Minimum Amount: $2,000; Maximum Amount: $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Dfcu Financial Credit Union’s Texas Ratio rose from 0.39% in Q3 2023 to 1.86% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$8.0B	1.86%	5.0	A+
March 31, 2026	$8.0B	1.10%	5.0	A+
December 31, 2025	$7.8B	1.31%	5.0	A+
September 30, 2025	$6.9B	1.02%	5.0	A+
June 30, 2025	$6.9B	0.48%	5.0	A+
March 31, 2025	$6.9B	0.54%	5.0	A+
December 31, 2024	$6.7B	0.61%	5.0	A+
September 30, 2024	$6.6B	0.74%	5.0	A+
June 30, 2024	$6.5B	0.44%	5.0	A+
March 31, 2024	$6.4B	0.34%	5.0	A+
December 31, 2023	$6.3B	0.57%	5.0	A+
September 30, 2023	$6.2B	0.39%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dfcu Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dfcu Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dfcu Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dfcu Financial Credit Union

Website https://www.dfcufinancial.com

Address 400 Town Center Dr, Dearborn, MI 48126

Phone 313-336-2700

Fax

President James Cowper

CEO Ryan Goldberg

Full-Time Employees 600

Part-Time Employees 82

Branch Locations 39

ATM Locations 33

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.86%

Return on Assets (ROA)

0.7605%

Return on Equity (ROE)

6.0204%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

8,040,188,023

Total Amount of Shares and Deposits

7,180,230,659

Total Shares and Deposits < 1 Year

7,107,698,932

Total Shares and Deposits 1 3 Years

67,998,023

Total Shares and Deposits > 3 Years

4,533,704

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,507,122,128

Total Uninsured Shares and Deposits > $250K (F+J)

1,507,122,128

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,673,108,531

Total Interest Expense (Sum of items 6 8)

56,402,084

Share Certificates

33,062

Number of Accounts for Share Drafts

171,891

IRA KEOGH Accounts

6,577

Number of Accounts for Regular Shares

142,248

All other shares

7,065

Non Member Deposits

Money Market Shares

33,206

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,340,144,606

Total Liabilities

7,270,477,357

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Dfcu Financial Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Dfcu Financial Credit Union

How many branches does Dfcu Financial Credit Union operate?

Dfcu Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dfcu Financial Credit Union?

Yes, to access services at Dfcu Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dfcu Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dfcu Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dfcu Financial Credit Union offer online and mobile banking?

Most modern institutions like Dfcu Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dfcufinancial.com.

Current Dfcu Financial Credit Union Rates

12-Month CD3.50%
24-Month CD4.40%
Savings3.00%
MMA3.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Dfcu Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Dfcu Financial Credit Union Texas Ratio

Dfcu Financial Credit Union Health Trend

Dfcu Financial Credit Union CD Rates

Dfcu Financial Credit Union Business CD Rates

Dfcu Financial Credit Union Savings Rates

Dfcu Financial Credit Union Business Savings Rates

Dfcu Financial Credit Union Money Market Rates

Dfcu Financial Credit Union Business Money Market Rates

Dfcu Financial Credit Union Checking Rates

Dfcu Financial Credit Union Business Checking Rates

Dfcu Financial Credit Union Home Equity & HELOC

Dfcu Financial Credit Union Auto Loan Rates

Dfcu Financial Credit Union RV, Boat and Powersport Loan Rates

Dfcu Financial Credit Union Personal Loan Rates

Dfcu Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Dfcu Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Dfcu Financial Credit Union

How many branches does Dfcu Financial Credit Union operate?

Is a member application needed to join Dfcu Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Dfcu Financial Credit Union offer online and mobile banking?

Current Dfcu Financial Credit Union Rates

Compare to Other Credit Unions