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.
Rates
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: Mar 23, 2023
| Type | Term | APR |
|---|---|---|
| New and Used Vehicle | 36 months | 4.99%* |
| 48 months | 5.25%* | |
| 60-66 months | 5.25%* | |
| 72 months | 6.00%* | |
| 84 months (New Vehicles Only) | 6.25%* | |
| Motorcycle, Boat, RV & Other Secured | 36 months | 7.75%* |
| 48 months | 8.00%* | |
| 60 months | 8.25%* | |
| 72 months | 8.50%* | |
| 84 months | 8.75%* | |
| Personal Loans | - | 11.00%* |
| Home Equity Loans | Fixed Rate | 6.75%** |
| Line of Credit | 7.25%** |
* 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: Mar 23, 2023
| Type | Tiers | APY | Compounded |
|---|---|---|---|
| Wealth Maximizer Money Market Savings | $100,000 and up | 2.50% | Monthly |
| $50,000-$99,999.99 | 1.85% | Monthly | |
| $100-$49,999.99 | .15% | Monthly | |
| Wealth Builder Money Market Savings | $25,000 and up | 1.75% | Monthly |
| $100-$24,999.99 | .15% | Monthly | |
| Savings Account | $1,000 and up | .50% | 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 March, 2023.
Savings Account: Dividends were paid to accounts on record as of December 31, 2022.
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: Mar 23, 2023
| Type | Term | APY | Compounded |
|---|---|---|---|
| Savings Certificates** Minimum balance to open is $1,000. |
60 Months | 3.00% | Quarterly |
| 36 Months | 3.00% | Quarterly | |
| 24 Months | 2.50% | Quarterly | |
| Special Limited Time Offer*** | 15 Months | 4.50% | Quarterly |
| 12 Months | 2.40% | Quarterly | |
| 6 Months | 1.75% | Quarterly |
**A penalty will be imposed for early withdrawals.
***APY = Annual Percentage Yield. Rate effective 2/1/2023. $1,000 minimum deposit required to open. 4.50% APY available on 15-Month Savings Certificate. Offer valid for a limited time and may be withdrawn at any time without notice. Maximum of five certificates for an aggregate total of $200,000 per primary account. The first $10,000 may be from funds on deposit at DECU at the end of business on 1/31/23 across primary and joint accounts. The remaining funds must be “new money” not already on deposit at DECU as of end of business 1/31/23. Penalty for early withdrawal. Fees may reduce earnings. Certificate renews automatically as a 12-Month Certificate at rate in effect at that time. Membership eligibility required.
Credit Cards Current as of: Mar 23, 2023
| Type | Rate |
|---|---|
| Platinum and Platinum Rewards, Cash Rewards APR on Transactions in first 18 months |
0%* |
| Platinum Annual Percentage Rate (APR) for Purchases |
12.40% - 21.40%** |
| Platinum Rewards Annual Percentage Rate (APR) for Purchases |
13.40% - 22.40%** |
| Cash Rewards Annual Percentage Rate (APR) for Purchases |
14.40% - 23.40%** |
| 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.