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Rates
Pay less for loans. Earn more on savings. We set our rates so you can keep more money in your pocket.
Our rates are designed to benefit you, our member. Take a look and compare.
Effective Date: October 15, 2023
| Type | Term | APR |
|---|---|---|
| New and Used Vehicle | 36 Months | 6.24%* |
| 48 Month | 6.50%* | |
| 60-66 Months | 6.50%* | |
| 72 Months | 6.75%* | |
| 84 months (New Vehicles Only) | 7.00%* | |
| Motorcycle, Boat, RV & Other Secured | 36 Months | 8.25%* |
| 48 months | 8.50%* | |
| 60 Months | 8.70%* | |
| 72 Months | 9.00%* | |
| 84 Months | 9.25%* | |
| Personal Loans | 36 Months | 11.50%* |
* 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. Please contact the Credit Union (1-800-268-6928) to find out what rate and term you qualify for. Interest rates may change daily.
Effective Date: October 1, 2023
| Type | Tiers | APY | Compounded |
|---|---|---|---|
| Wealth Maximizer Money Market Savings | $100,000 and up | 3.00% | Monthly |
| $50,000-$99,999.99 | 2.25% | Monthly | |
| $100-$49,999.99 | .15% | Monthly | |
| Wealth Builder Money Market Savings | $25,000 and up | 2.00% | Monthly |
| $100-$24,999.99 | .15% | Monthly | |
| Savings Account | $1,000 and up | .50% | Quarterly |
| $100-$999.99 | .15% | Quarterly | |
| Holiday Club | N/A | .05% | Monthly |
Wealth Maximizer and Wealth Builder Money Market Savings: Rates will be effective for the month of December, 2023.
Savings Account: Dividends were paid to accounts on record as of September 30, 2023.
Holiday Club: A $20 penalty is imposed if club is closed or payroll deduction is reduced before November 1 maturity.
All: A $15 fee will incur if more than six electronic withdrawals are made per month.
Applicable to Wealth Builder, Wealth Maximizer and Basic Savings Accounts: Minimum average balance to earn an APY is $100.00. Dividends calculated on average daily balance.
Effective Date: August 1, 2023
| Type | Term | APY | Compounded |
|---|---|---|---|
| Savings Certificates**. Minimum balance to open is $1,000 | 60 Months | 3.60% | Quarterly |
| 36 Months | 3.30% | Quarterly | |
| 24 Months | 3.00% | Quarterly | |
| 12 Months | 2.80% | Quarterly | |
| 6 Months | 2.25% | Quarterly |
**A penalty will be imposed for early withdrawals.
Effective Date: September 3, 2023
| Type | Rate |
|---|---|
| Platinum, Platinum Rewards, and Cash Rewards APR on Transactions in first 18 months | 0%* |
| Platinum Annual Percentage Rate (APR) for Purchases | 13.15% - 22.15%** |
| Platinum Rewards Annual Percentage Rate (APR) for Purchases | 14.15% - 23.15%** |
| Cash Rewards Annual Percentage Rate (APR) for Purchases | 15.15% - 17.15%** |
| Cash Advance Fee | 2% or $10, whichever is greater for each transaction |
| Balance Transfer Fee | 2% or $10, whichever is greater for each transaction |
| Annual Fee | None |
See our credit card agreement and credit card disclosure for details. Click here to apply today.
* Annual percentage rate. 0% APR valid on all transactions for the first 18 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.
Effective Date: December 1, 2023
| Product | Rate | APR** | Points | P&I |
|---|---|---|---|---|
| 30 Year | 7.500% | 7.620% | 0.0000 | $1,704.34 |
| 20 Year | 7.375% | 7.524% | 0.0000 | $1.945.05 |
| 15 Year | 7.250% | 7.428% | 0.0000 | $2,225.10 |
| 10 Year | 6.875% | 7.116% | 0.0000 | $2,814.47 |
| 5:5 ARM | 6.500% | 6.600% | 0.0000 | $1,540.67 |
| FHA 30 Year | 7.125% | 7.476% | 0.5000 | $1,642.19 |
| VA 30 Year | 7.125% | 7.248% | 0.5000 | $1,642.19 |
*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
| Type | Term | APR |
|---|---|---|
| Home Equity Loans | Fixed Rate | 7.50%** |
| Line of Credit | 8.25%** |
** 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.
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Dominion Energy Credit Union, headquartered in Richmond, Virginia, is a full-service financial institution that serves Dominion Energy employees and offers competitive rates on savings, auto loans, and credit cards.