Please rest assured your credit union is stable and financially sound. We are well-capitalized with ample liquidity. Your money is safe, and deposits are federally insured to at least $250,000 by NCUA. Additional coverage options are available. Please call 800-268-6928 for assistance. Learn more.


We offer better rates so you can build your life and save for your future.

Must be a member or eligible for membership to apply. 

Loans | Savings | Certificates | Credit Cards

Earn more, pay less

To view our mortgage rates, please visit our mortgage page.

Loans Current as of: Sep 25, 2023

Type Term APR
New and Used Vehicle 36 months 5.74%*
48 months 6.00%*
60-66 months 6.00%*
72 months 6.25%*
84 months (New Vehicles Only) 6.50%*
Motorcycle, Boat, RV & Other Secured 36 months 8.00%*
48 months 8.25%*
60 months 8.50%*
72 months 8.75%*
84 months 9.00%*
Personal Loans - 11.25%*
Home Equity Loans Fixed Rate 7.25**
Line of Credit 8.25**

* 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.

**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.


Savings Current as of: Sep 25, 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 .65% Quarterly
$100-$999.99 .15% Quarterly
Holiday Club .05% Monthly

Wealth Maximizer and Wealth Builder Money Market Savings: Rates will be effective for the month of September, 2023.
Savings Account: Dividends were paid to accounts on record as of June 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.

Certificates Current as of: Sep 25, 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.


Credit Cards Current as of: Sep 25, 2023

Type Rate
Platinum and Platinum Rewards, Cash Rewards
APR on Transactions in first 18 months
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.