Lending Products
Diamond is your resource for a variety of loans to meet your individual needs such as auto loans, home equity loans & lines of credit, mortgages and more.
Whether your vehicle has two wheels or four, Diamond has numerous new/used auto loan rates to choose from. Purchase or refinance options are available.
New / Used Auto Loan Rates
(Current model year and up to 5 years old)
| Term | Rates as low as |
|---|---|
| Up to 48 months | 4.95% APR |
| Up to 72 months | 4.95% APR |
| 73 months + | 5.45% APR |
For assistance, contact a Diamond Representative by calling 610-326-5490.
*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.
*Vehicle Requirements and Restrictions: Rates & terms apply to purchases and refinances for consumer-use vehicles only. Commercial vehicles or vehicles used for commercial purposes must be directed to our Business Lending Department. We may determine a vehicle to be for commercial use or otherwise ineligible based on the model and/or information provided to us. Vehicles must be no older than 10 years and have an established resale value. Vehicles 6 years and older are limited to a term no greater than 66 months. Diamond Credit Union does not finance the following vehicles: ATVs, boats, camper vans, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback vehicles (alternatively referred to as lemons), salvage title vehicles, branded title vehicles, lease buyouts or vehicles without a vehicle identification number (VIN) or title issued. The vehicle must be located within the contiguous United States.
*Auto Loan Promotion: June 15 through October 31, 2025 – Not all will qualify for a loan or the lowest rate. Approval and rate are based on creditworthiness and collateral. Rate includes electronic repayment of the loan. Members electing manual or coupon payments are subject to an additional 0.25% APR. New and used motorcycle, RV, and business vehicles loans do not qualify for this promotion but are available with different terms. Rates and promotion subject to change at any time. Annual Percentage Rate (APR), Term, and other loan terms 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.
Must qualify for membership. Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.
New / Used Motorcycle Loan Rates
(Current model year and up to 5 years old)
| Term | Rates as low as |
|---|---|
| Up to 48 months | 6.49% APR |
| Up to 72 months | 7.29% APR |
| 73 months + | 7.99% APR |
For assistance, contact a Diamond Representative by calling 610-326-5490.
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.
Vehicle Requirements and Restrictions: Rates & terms apply to purchases and refinances for consumer-use vehicles only. Commercial vehicles or vehicles used for commercial purposes must be directed to our Business Lending Department. We may determine a vehicle to be for commercial use or otherwise ineligible based on the model and/or information provided to us. Vehicles must be no older than 10 years and have an established resale value. Vehicles 6 years and older are limited to a term no greater than 66 months. Diamond Credit Union does not finance the following vehicles: ATVs, boats, camper vans, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback vehicles (alternatively referred to as lemons), salvage title vehicles, branded title vehicles, lease buyouts or vehicles without a vehicle identification number (VIN) or title issued. The vehicle must be located within the contiguous United States.
Must qualify for membership. Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.
Diamond offers a variety of mortgage options including fixed-rate, variable-rate and a First-Time Homebuyer Program. Existing homeowners may be able to take advantage of the current rates by refinancing their mortgage.
Mortgages (starting rates shown)
| Loan Type | Interest Rate | APR |
|---|---|---|
| Conventional 30 Year | 6.000% | 6.120% APR |
| Conventional 20 Year | 5.500% | 5.654% APR |
| Conventional 15 Year | 5.375% | 5.569% APR |
| Conventional 10 Year | 5.375% | 5.651% APR |
| Adjustable Rate/Other | Contact Diamond | Contact Diamond |
Contact Diamond for more information. NOTE: APRs for corresponding rates based on $150,000 loan amount. The Annual Percentage Rate (APR) is the cost of your credit expressed as an annual rate. Because you may be paying loan discount “points” and other “prepaid” finance charges at closing, the APR disclosed is often higher than the interest rate on your loan. This APR can be compared to the APR on other loan programs to give you a consistent means of comparing rates and programs. Rates shown assume a credit score of 780 or above. Primary residence transactions apply.
Must qualify for membership. Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.
Diamond offers three different types of Home Equity Loans to members: First Lien, 2nd Mortgage, and Line of Credit. Home Equity loans are a great option to use for an unexpected home improvement project and medical bills. No matter the planned or unplanned expense, we’re here to provide you with a solution that will keep some change in your pockets.
INTRO HELOC RATE
2.99% APR*
for the first 6 months
RATES AS LOW AS
7.25% APR*
variable after 6 months
First Lien Home Equity Loans
Maximum 85% loan to value for First Lien Home Equity Loans.
2nd Mortgage Home Equity Loans
| Term | Rates as low as | |
|---|---|---|
| 6 years | 6.25% APR | Apply |
| 11 years | 6.50% APR | Apply |
| 15 years | 6.75% APR | Apply |
| 20 years | 7.25% APR | Apply |
Rates shown for 2nd Mortgage Home Equity Loans are 80% loan to value.
Home Equity Line of Credit
| Details |
|---|
| Borrow 90% |
| Prime minus 0.25% APR (4.00% Floor) |
| Currently priced at 7.25% APR |
Intro rate of 2.99% APR for 6 months, then as low as 7.25% variable APR.
If an auto or home equity loan isn’t what you’re looking for right now, one of our personal loans is sure to fit your current situation.
Personal Loans
Must qualify for membership. Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.For assistance, contact a Diamond Representative by calling 610-326-5490.
Deposit Accounts
One of the benefits of banking with a credit union is our ability to offer higher interest rates on deposit accounts. Take advantage of our great rates today.
Diamond’s Growth Checking makes your money work for you. This account offers two-tier options to earn dividends and includes our checking services which help you safely and easily manage your daily finances.
Dividend-Bearing Checking
| Account | Tier | Rate |
|---|---|---|
| Growth Checking | $1,000 Minimum Deposit* | .10% Annual Percentage Yield |
| $10,000 Minimum Deposit* | .20% Annual Percentage Yield |
*Growth Checking: $1,000 minimum daily balance required to open and earn dividends. A minimum daily balance of $1,000 must be maintained to avoid a $5.95 monthly minimum service fee. Deposits of $10,000 or more will earn more dividends. The Annual Percentage Yield (APY) may change on these accounts after the account is opened. Fees may reduce earnings. All rates and terms are subject to change without notice.
Deposit a fixed amount of money for a set period of time and earn a market-leading rate on your funds. Regular Share Certificates, minimum investment of just $1,000, and Jumbo Share Certificates, featuring a super-sized rate with a minimum deposit of $75,000.
Share Certificates
| Term | Jumbo Certificate (min. $75,000) | Regular Certificate (min. $1,000) |
|---|---|---|
| 45 Day | 2.06% APY Jumbo | 2.01% APY Regular |
| 90 Day | 3.56% APY Jumbo | 3.51% APY Regular |
| 26 Week | 3.81% APY Jumbo | 3.76% APY Regular |
| 12 Month | 4.06% APY Jumbo | 4.01% APY Regular |
| 18 Month | 3.91% APY Jumbo | 3.86% APY Regular |
| 24 Month | 3.81% APY Jumbo | 3.76% APY Regular |
| 30 Month | 3.81% APY Jumbo | 3.76% APY Regular |
| 36 Month | 3.81% APY Jumbo | 3.76% APY Regular |
| 48 Month | 3.81% APY Jumbo | 3.76% APY Regular |
| 60 Month | 3.81% APY Jumbo | 3.76% APY Regular |
| 10 Year | 3.81% APY Jumbo | 3.76% APY Regular |
*Rates subject to change or withdrawal without notice. For share certificate, the yield is calculated on the minimum amount required to open the account. Dividend penalty for early withdrawal on share certificate accounts. A share certificate check may reduce your earnings.
With higher rates than savings accounts and more accessibility than Share Certificates/CDs, Money Markets offer security and flexibility. Access your funds, which are federally insured up to $250,000, anytime.
Money Market Deposit Accounts (Marquee and Premier includes IRA MM)
| Account | Tier | Rate |
|---|---|---|
| Choice Money Market* | $50,000 minimum | 2.76% Annual Percentage Yield |
| Marquee Money Market** | $25,000 and up | 1.26% Annual Percentage Yield |
| Marquee Money Market | $2,500 – $24,999 | 1.01% Annual Percentage Yield |
| Premier Money Market*** | $10,000 and up | .76% Annual Percentage Yield |
| Premier Money Market | $2,500 – $9,999 | .51% Annual Percentage Yield |
*Falling below the minimum balance requirement of $50,000 will result in a $10.00 monthly fee and a rate reduction.
**Falling below the minimum balance requirement of $25,000 will result in a $4.95 monthly fee and a rate reduction.
***Falling below the minimum balance requirement of $10,000 will result in a rate reduction.
Save money, pre-tax, to use towards high-deductible health insurance and earn interest too.
Health Savings Deposit Accounts
| Account | Tier | Rate |
|---|---|---|
| Health Savings Checking | no minimum | n/a |
| Health Savings Money Market | $10,000 and up | .20% APY |
| Health Savings Money Market | $2,500 to $9,999 | .15% APY |
| Health Savings Money Market | $1,000 to $2,499 | .13% APY |
Health Savings Share Certificates
| Term | Tier | Rate |
|---|---|---|
| 26 week | $1,000 minimum | 3.76% APY |
| 12 month | $1,000 minimum | 4.01% APY |
| 36 month | $1,000 minimum | 3.76% APY |
| 60 month | $1,000 minimum | 3.76% APY |
Have you found the rates that you were looking for?
Diamond is dedicated to helping keep your financial health in peak condition to ensure a bright financial future for you and your family. Our representatives are available to answer any questions you may have to help you choose the best product or service for your unique situation.
Must qualify for membership. Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.
Lending: Actual Annual Percentage Rate is based on the value of an index and may vary according to overall credit history, total account relationship and payment method. 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 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. Other terms and conditions apply based on the type of loan you establish.
*APR = Annual Percentage Rate
*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 ANNUAL PERCENTAGE RATE of 10% would be $107.46. Other terms and conditions apply based on the type of loan you establish.
Consult your tax advisor regarding the deductibility of mortgage interest and charges.
Property insurance is required.
Deposits: All rates and terms are subject to change without notice. Annual Percentage Yield (APY) is the rate that would be earned on $1,000 of savings, club, checking, money market, and IRA accumulation accounts. The APY may change on these accounts after the account is opened. Fees may reduce earnings.