Rates

* Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on your credit qualifications, terms and line of credit. Vehicles 20+ years old subject to different rates - ask for details. Please contact the Credit Union (1-800-268-6928) to find out what rate and term you qualify for. Interest rates may change daily.

* A penalty will be imposed for early withdrawals. Membership eligibility required. Federally insured by NCUA. APY=Annual Percentage Yield. Rate effective January 15, 2025 and subject to change. $1,000 minimum deposit required to open. 4.00% APY available on a 15-Month Savings Certificate. Limited-time offer and may be withdrawn without notice. Certificate must be funded with new money only with a maximum aggregate total of $500,000 per primary account. New money is defined as money that was not on deposit at the credit union as of the end of the business day on January 14, 2025, across primary and joint accounts. Penalty for early withdrawal. Fees may reduce earnings. The 15-Month Savings Certificate renews automatically as a 12-Month Certificate at rate in effect at that time. Membership eligibility required. Federally insured by NCUA.

See our credit card agreement and credit card disclosure for details. Apply for a credit card today.

* Annual percentage rate. 0% APR valid on all transactions for the first 15 months on new cards only. The introductory rate is not valid on existing Dominion Energy CU balances. After the introductory period, the rate will return to the variable rate for which you qualify.
** Variable rate based on credit qualifications.

*Financing is not available on investment properties or mobile/manufactured homes.

*RATES POSTED ARE INDICATIONS ONLY AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. IF YOU WISH TO LOCK IN YOUR RATE, PLEASE CONSULT DOMINION ENERGY CREDIT UNION. This estimate is based on a mortgage loan secured by a single family home that will be used as a primary residence. Other assumptions include: a loan amount of $243,750, an estimated property value of $325,000, and an assumed credit score of 780.Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan such as, the amount of the down payment, how much equity you have or whether you are purchasing, refinancing just the existing debt or refinancing & adding to the loan amount. The above scenarios do not include cash-out refinances and there may be credit score adjustments based on an applicant's credit history. PAYMENT EXAMPLES ONLY REFLECT PRINCIPAL AND INTEREST PAYMENT AND EXCLUDES ESCROW (REAL ESTATE PROPERTY TAX AND HOME OWNERS INSURANCE (AKA HAZARD INSURANCE), WHICH WOULD CAUSE THE ACTUAL PAYMENT TO BE HIGHER        

** Only available in VA.Subject to loan-to-value and credit qualifications.Rates shown includes a ¼ % discount for repayment by payroll deduction or automatic transfer from your credit union account.Minimum loan amount is $15,000.Minimum line amount of $15,000 and minimum initial draw of $2,500 on line.Other restrictions may apply.A processing fee will be charged at funding on all Home Equity Lines of Credit.If you close a home equity line or pay off a home equity loan within 36 months after getting it,you may be required to reimburse the credit union for all applicable closing costs.Title Insurance may be required. Home Equity Loans are fixed-rate loans. Closing costs are costs paid to third parties and there is not application or origination fee retained by Dominion Energy Credit Union.  The closing costs depend on the location of the property, property type, and the amount of the Equity Loan. Taxes and insurance not included in rates shown therefore, the actual payment obligation will be greater. You must carry homeowners insurance on the property that secures this loan.