Auto Loans1

PRODUCT TYPE
TERM
APR AS LOW AS
Up to 63 Months
4.29%
Up to 75 Months
4.44%
Up to 63 Months
5.19%
Up to 63 Months
3.79%
Up to 75 Months
4.09%
Click here to view all remaining auto loan years and terms
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1Annual Percentage Rate (APR) shown effective October 17, 2018 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 3.54% APR will have a monthly payment of $343.46.

Home Equity Line of Credit1

RATE DESCRIPTION
TERM
APR AS LOW AS
10-year draw period; 20-year repayment term
3.74%
10-year draw period; 20-year repayment term
5.875%

Fixed Rate Mortgages

MORTGAGES
RATE
APR
POINTS
4.25%
4.534%
1.125%
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
4.25%
4.534%
$267,000
25%
15 yrs
$1,506.44
Rates valid on October 17, 2018. 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.
4.75%
4.927%
1.250%
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
4.75%
4.927%
$267,000
25%
30 yrs
$1,044.60
Rates valid on October 17, 2018. 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.
5.00%
5.806%
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

FHA 30 Year Fixed
Interest Rate
APR
Purchase Price
Down Payment
Term
Monthly Payment1
5.00%
5.806%
$267,000
25%
30 yrs
$1,074.99
Rates valid on October 17, 2018. 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.

1APR= Annual Percentage Rate. Promotional APR 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 October 1, 2018, that index was 5.25%; resulting APR with a 0.625% margin is 5.875%.

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 amount of $75,000 or more, 60% or less Loan-to-Value and includes a .25% discount, which requires a 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 30-year repayment term. Fixed Rate Option: Must convert a minimum balance of $10,000 to Fixed Rate Option and may not exceed the credit limit. Loan term cannot exceed loan maturity date. Maximum of three Fixed Rate Options may be open at one time. Rates for the Fixed Rate Option are typically higher than HELOC variable rates. Minimum payment on a Fixed Rate Option includes principal and interest in fixed monthly payments. 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. Closing costs are waived unless the loan is paid off within the first three years. An estimated range of fees is $200 to $750. NMLS ID #509455.

Participation in the Real Estate Broker Program is voluntary. Desert Financial Federal Credit Union and its wholly owned subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the services provided by Participating Brokers. To participate in this program, the member does not have to finance mortgage loan through Define Mortgage Solutions LLC. For full program details, see the Real Estate Broker Program Member Notice Acknowledgement.

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS #1761612, a wholly owned subsidiary of Desert Financial Federal Credit Union.

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 October 17, 2018 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 October 17, 2018 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 October 17, 2018 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
0.35%
0.35%
No minimum
0.05%
0.05%
No minimum
0.05%
0.05%

1Annual Percentage Yield (APY) is accurate as of October 17, 2018. 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
1.00%

1Annual Percentage Yield (APY) is accurate as of October 17, 2018. 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
0.80%
0.80%
1.00%
1.00%
1.11%
1.10%
1.61%
1.60%
2.12%
2.10%
2.22%
2.20%
2.53%
2.50%

Jumbo Savings Certificates1

TERM
APY
RATES
0.85%
0.85%
1.06%
1.05%
1.16%
1.15%
1.66%
1.65%
2.17%
2.15%
2.27%
2.25%
2.58%
2.55%

College Savings Certificate1

TERM
APY
RATES
1.06%
1.05%

1Annual Percentage Yield (APY) is accurate as of October 17, 2018. 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.