Competitive Deposit & Loan Rates | Credit Union

Lending Products

From auto loans, to home equity loans, lines of credit, mortgages and beyond, Diamond is your resource for a wide variety of loans.

Auto, Motorcycle and RV Loan Rates

Whether your vehicle has two wheels or four or can accompany any family through a wilderness or cross-country trip, Diamond has numerous new/used auto loan rates to choose from. Purchase or refinance options are available with terms lengths up to 180 months.

Vehicle Loan Options

New / Used Auto Loan Rates

Loan Disclosure

Term	Rate as low as
Up to 36 months	2.89% APR
37 to 66 months	2.99% APR
67 to 75 months	3.19% APR
76+ months	3.79% APR

Apply For: Auto Pre-Approval Auto Purchase Auto Refinance

For assistance, contact a Diamond Representative by calling 610-326-5490 x4, option 2.

Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and collateral review.

New / Used Motorcycle Loan Rates

Loan Disclosure

Term	Rates as low as
Up to 36 months	2.99% APR
37 to 66 months	3.19% APR
67 to 72months	3.99% APR
73+ months	4.69% APR

Apply For: Motorcycle Purchase Motorcycle Refinance

For assistance, contact a Diamond Representative by calling 610-326-5490 x4, option 2.

Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and collateral review.

New / Used RV Loan Rates

Loan Disclosure

Amount	Term	Rates as low as
Financing $50,001 or more	Up to 180 months	6.59% APR
Financing $25,001 to $50,000	Up to 120 months	6.99% APR
Financing $2,500 to $25,000	Up to 84 months	7.99% APR

Apply For: Purchase Refinance

Mortgage Rates

Diamond offers a variety of mortgage options including fixed rate, variable rate, FHA, and a First-Time Homebuyer Program. Existing homeowners may be able to take advantage of the current low rates by refinancing your mortgage.

Visit the Mortgage Center

Mortgages (starting rates shown)

Loan Disclosure

Loan Type	Interest Rate	APR
Conventional 30 Year	3.125%	3.1950% APR
Conventional 20 Year	3.000%	3.0990% APR
Conventional 15 Year	2.750%	2.8770% APR
Conventional 10 Year	2.750%	2.9340% APR
Adjustable Rate/Other	Contact Diamond	Contact Diamond

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FHA and VA loans also available. 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 740 or above. Primary residence transactions apply.

Home Equity Rates

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, medical bills, or even college expenses. No matter the planned or unplanned expense, we’re here to provide you with a solution that will keep some change in your pockets.

Home Equity Products

First Lien Home Equity Loans

Loan Disclosure

Term	Rates as low as
10 years	2.80% APR	Apply
15 years	3.05% APR	Apply
20 years	3.30% APR	Apply

Maximum 85% loan to value for First Lien Home Equity Loans.

2nd Mortgage Home Equity Loans

Loan Disclosure

Term	Rates as low as
6 years	3.59% APR	Apply
11 years	3.79% APR	Apply
15 years	4.19% APR	Apply
20 years	4.99% APR	Apply

Rates shown for 2nd Mortgage Home Equity Loans are 80% loan to value.

Home Equity Line of Credit

Loan Disclosure

Details
Borrow 90%
Prime minus 0.25% APR (4.00% Floor)
Currently priced at 4.00% APR

Apply For: Home Equity Line of Credit

Personal Loan Rates

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 Loan Options

Unsecured Loans

Loan Disclosure

Loan Type	APR
Personal Loan	6.99% APR	Apply
Express Cash	8.89% APR	Apply

Deposit Accounts

One of the benefits of banking with a credit union is our ability to offer higher interest rates on deposit accounts.

Interest-Bearing Checking Account Rates

Diamond offers two interest-bearing checking accounts and both let your money work harder for you. These accounts make you money and gives you the ability to write checks, use a debit card, enjoy full mobile/online banking access, and more.

Interest-Bearing Checking Accounts

Deposit Disclosure

Account	Tier	Rate
Checking Plus	$1,000 Minimum Deposit*	.10% APY
Money Market Checking	$10,000 Minimum Deposit**	.12% APY

*Checking Plus: Falling below the minimum balance of $1,000 will result in a $5.95 service fee.
**Money Market Checking: Falling below the $10,000 minimum balance will result in a monthly fee of $7.95. Diamond Money Market Checking accounts are variable rate accounts. 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.

Share Certificates (includes IRA Certificates) Rates

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

Deposit Disclosure

Term	Jumbo Certificate (min. $75,000)	Regular Certificate (min. $1,000)
45 Day	.35% APY Jumbo	.30% APY Regular
90 Day	.40% APY Jumbo	.35% APY Regular
26 Week	.55% APY Jumbo	.50% APY Regular
12 Month	.60% APY Jumbo	.55% APY Regular
18 Month	.65% APY Jumbo	.60% APY Regular
24 Month	.70% APY Jumbo	.65% APY Regular
30 Month	.75% APY Jumbo	.70% APY Regular
36 Month	.85% APY Jumbo	.75% APY Regular
48 Month	1.00% APY Jumbo	.85% APY Regular
60 Month	1.25% APY Jumbo	1.00% APY Regular
10 Year	1.25% APY Jumbo	1.00% 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.

Money Market Deposit Accounts (includes IRA MM) Rates

Higher rates than savings accounts with 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 (includes IRA MM)

Deposit Disclosure

Account	Tier	Rate
Choice Money Market*	$50,000 minimum	.25% APY
Marquee Money Market**	$25,000 and up	.20% APY
Marquee Money Market	$2,500 - $24,999	.15% APY
Premier Money Market***	$10,000 and up	.12% APY
Premier Money Market	$2,500 - $9,999	.10% APY

*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.

Health Savings Accounts Rates

Save money, pre-tax, to use towards high-deductible health insurance and earn interest too.

Health Savings Deposit Accounts

Deposit Disclosure

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	.125% APY

Health Savings Share Certificates

Deposit Disclosure

Term	Tier	Rate
26 week	$1,000 minimum	.50% APY
12 month	$1,000 minimum	.55% APY
36 month	$1,000 minimum	.75% APY
60 month	$1,000 minimum	1.00% 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. Have a few questions that you’d like to speak to a Diamond representative about?

Contact Diamond

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.

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

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.

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