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Diamond Credit Union Loan Promotions

Take Advantage of Diamond’s Loan Promotions Today

Auto Low-Rate Special

A blue Subaru forester is pictured to the left of the graphic, facing a sunset scene with mountains and grass. The image says "Auto Loan Summer Special," towards the right.

Hit the road in a new ride with Diamond Credit Union’s Summer Special. Secure rates as low as 4.95% APR* for 72 months, and as low as 5.45% APR* on loans up to 84 months. This offer is valid on purchased or refinanced vehicles that are five years or newer. Apply today, these rates are only available through August 31, 2025.

*Auto Promotion: June 15 through August 31, 2025 – members with a credit score of 650 or higher will receive 4.95% APR up to 72 months and 5.45% APR up to 84 months on vehicle loans 5 years or newer financed or refinanced with Diamond from another financial institution. Rate includes electronic repayment of the loan. Members electing manual or coupon payments are subject to a rate increase of .25% APR. New and used motorcycle, RV, and business vehicles loans do not qualify. Rates and promotion subject to change at any time. Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and collateral review. Other rates and terms are available for vehicles 6 years and older. Repayment example: $20,000 vehicle loan with a 72 month term = $321.63 per month at 4.95% APR. $20,000 vehicle loan with an 84 month term = $286.93 per month at 5.45% APR.

Apply Online

Auto - No Payments for 3 Months

stack of coins, a red toy car, a pen, and a calculator sitting on a financial paper on top of a table.

Refinance your auto or motorcycle loan and go payment-free for 3 months* from the date of your loan signing.

*3-Month Payment Break: Excludes Auto Express Loans. Interest will continue to accrue during the 3 month payment break.

Payment Example: A 66-month auto loan at 5.99% fixed APR will have 66 monthly payments of $17.82 per $1,000 borrowed. Auto Express Loans are not eligible for the 90-day payment break.

For assistance, contact a Diamond Representative by calling 610-326-5490.
Apply Online

Home Equity Loan/Line of Credit

Home Equity Line of Credit (HELOC)

loan promotions image. person's hand holding money bills with a wooden house on top.

A home equity line of credit allows you to borrow against the value of your home, using your property as collateral. The amount you can borrow is determined by the amount of equity you have in your home. Equity is the difference between your home’s current market value (determined by an appraisal conducted by a license professional) and your mortgage balance. With a Home Equity Line of Credit, the loan amount is revolving – much like a credit card, but with a great rate.

As you make payments, the funds are replenished and available for you to borrow, again and again, as needed, for the life of the loan. This type of loan is best for expenses that are reoccurring or expenses that fluctuate, such as college tuition, medical bills, and unexpected expenses.

  • Withdraw funds as needed – funds can be used for any purpose.
  • The interest rate can fluctuate.
  • During the first 7 years, known as the draw phase, the minimum monthly payment will equal 1% of the principal outstanding balance or $75.00, whichever is greater.
  • After the draw phase ends, the repayment phase will begin. The length of the repayment phase is 15 years.
  • The minimum monthly payment will equal an amortized payment of the loan balance or $75.00, whichever is greater
  • Borrow up to your available loan amount whenever you need money.
  • Can be tax-deductible.**

New HELOCs Introductory Rate

  • Intro rate of 2.99% for 6 billing cycles from the open date.
  • After 6 billing periods, an ongoing variable rate will apply, currently as low as 7.25% APR
  • After the promotional period, the rate will revert to the borrowers’ standard rate of prime + margin based on their qualifying credit score, floor rate listed below.
  • The promotional rate is an introductory rate for applications beginning December 15, 2023.
  • Although no specific end date has been determined, the offer could end at any time.
  • The minimum line of credit to establish is $10,000. No minimum loan funding amount is required.
  • All processing fees apply.
  • The maximum loan-to-value is 90%.

APR = Annual Percentage Rate

*Home Equity Loan: An APR of 5.50% would require a monthly payment of $6.88 per $1,000 borrowed. The payment example does not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

**Consult your tax advisor regarding the deductibility of mortgage interest and charges.

***Home Equity Line of Credit: 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 maximum 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.

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