Lending Disclosure

Actual Annual Percentage Rate (APR) may vary according to overall credit history, payment method and payment processing fees. Diamond is an equal opportunity, equal housing lender. Real estate must be principal residence of member/borrower and must be located in PA, DE or NJ. Homeowners insurance is required for home equity lines of credit and other home secured loans. Our Board of Directors reviews loan rates on a regular basis. All rates and terms are subject to change without notice.

Rates Current as of December 21, 2024

Payment example rates are for illustrative purposes only and may not be the current rate in effect. For current rates, visit our Loan Rates page, and to calculate updated payment examples, visit our Calculators page.

New/Used Auto Loan Example

May require a down payment depending on the qualifications of the borrower.

• $20,000 for 36 months at a rate of 6.49% APR is a monthly payment of $612.89.
• $20,000 for 60 months at a rate of 6.99% APR is a monthly payment of $395.93.
• $20,000 for 72 months at a rate of 7.79% APR is a monthly payment of $348.62.
• $20,000 for 84 months at a rate of 8.99% APR is a monthly payment of $321.68.

Motorcycle Loan Example

May require a down payment depending on the qualifications of the borrower.

• $20,000 for 36 months at a rate of 6.99% APR is a monthly payment of $617.45.
• $20,000 for 72 months at a rate of 7.99% APR is a monthly payment of $350.57.
• $20,000 for 80 months at a rate of 8.29% APR is a monthly payment of $326.26.

RV Loan Example

May require a down payment depending on the qualifications of the borrower.

• $20,000 for 84 months at a rate of 10.49% APR is a monthly payment of $337.11.
• $25,000 for 120months at a rate of 10.99% APR is a monthly payment of $344.23.
• $30,000 for 180 months at a rate of 11.79% APR is a monthly payment of $356.01.

Fixed Rate Home Equity Loan Payment Example

• $50,000 for 10 years at a rate of 6.27% APR is a monthly payment of $561.91.
• $50,000 for 15 years at a rate of 6.52% APR is a monthly payment of $436.10.
• $50,000 for 20 years at a rate of 6.93% APR is a monthly payment of $385.55.

Home Equity Line of Credit Loan Payment Example

The Annual Percentage Rate is based on the value of an index. The index is the highest Prime Rate published in The Wall Street Journal on the last business day of the month. To determine your Annual Percentage Rate applied to your line, we will add a margin to the value of the index. The minimum Annual Percentage Rate is 4%. The maximum Annual Percentage Rate that can be charged is 18%. The line has a variable rate feature and the Annual Percentage Rate and the minimum monthly payment can change as a result. The rate can be adjusted monthly. You could pay certain fees to third parties to open a line. These fees generally total between $150 and $900. If you have an outstanding balance of $10,000, the minimum monthly payment at a rate of 1% would be $100.00 for 7 years (the “draw phase”) from the date of the agreement. After the draw phase ends, you must pay the outstanding balance on your line of credit (the “repayment phase”). The length of the repayment phase is 15 years. Your minimum monthly payment will equal an amortized payment of the loan account balance or $75.00, whichever is greater. This balance will be amortized over 180 months. The minimum payment will change whenever the annual percentage rate changes. Your loan payments will recalculate each month in order for your loan to be paid in full during the repayment phase. If you had an outstanding balance of $10,000 at the beginning of the repayment phase, the minimum monthly payment at the ANNUAL PERCENTAGE RATE of 10% would be $107.46. Other terms and conditions apply based on the type of loan you establish. Property insurance is required.

Mortgage Loan Payment Example

• A loan of $150,000 for 10 years at a rate of 6.500% is a monthly payment of $1,703.22. Principal and Interest only, does not include escrow for taxes and insurance.
• A loan of $200,000 for 15 years at a rate of 6.500% is a monthly payment of $1,742.21. Principal and Interest only, does not include escrow for taxes and insurance.
• A loan of $150,000 for 20 years at a rate of 6.625% is a monthly payment of $1,129.43. Principal and Interest only, does not include escrow for taxes and insurance.
• A loan of $200,000 for 30 years at a rate of 6.625% is a monthly payment of $1,280.62. Principal and Interest only, does not include escrow for taxes and insurance.

Personal Loan Example

• $10,000 for 36 months at a rate of 10.99% APR is a monthly payment of $327.34.
• $10,000 for 48 months at a rate of 11.29% APR is a monthly payment of $259.87.
• $10,000 for 60 months at a rate of 11.59% APR is a monthly payment of $220.38.

Express Cash Line of Credit Example

Minimum monthly payment is 2.5% of balance or minimum of $25.00. Minimum advance of $50.00. Rate subject to change anytime. If you have an outstanding balance of $1,500, payment is 2.5% or a payment of $37.50.

Get a Credit Review

Your loan and credit history is vitally important to your lending worthiness. Find out where you stand and where you could make improvements in order to build good credit to achieve more opportunity and flexibility with your finances.