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Loan Rates

More value, more options. DATCU loans help your money go further with rates that deliver plenty of value.

Check our rates for vehicle loans, credit cards and mortgages

Whether you're making a milestone purchase or you're looking for an everyday loan, come to DATCU. We have a long, proud history of serving members in North Texas and beyond with affordable loans for everything in life. And as a not-for-profit credit union, we're committed to helping you saving money with these rates.

View Auto Loans

Year-Model Term Rate*
2023 — 2026 72 months 5.44%
2023 — 2026 75 months 5.69%
2023 — 2026 78 months 5.94%
2023 — 2026 84 months 6.34%
Current Year Model 96 months 7.09%
2020 — 2022 72 months 5.64%
2020 — 2022 75 months 5.89%
2020 — 2022 78 months 6.14%
2019 — 2020 60 months 5.64%
2019 — 2020 66 months 6.14%
2018 — Older 48 months 7.44%
2018 — Older 60 months 7.94%
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. There is an additional .15% discount for 80% LTV available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 4/01/2026. All Loans Must be MLA Compliant.

View Recreational Vehicle Loans

Amount Term Rate*
$0 — $9,999 72 months 9.09%
$10,000 — $14,999 120 months 8.09%
$15,000 — $24,999 144 months 6.64%
$25,000 — $49,999 180 months 6.64%
$50,000 — Above 180 months 6.64%
$50,000 — Above
 240 months 6.64%
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. There is an additional .15% discount for 90% LTV available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 6/16/2026 Max term on powersports/motorcycles between $10,000 and $14,999 is 72 mos. Max term on powersports/motorcycles for $15,000 and above is 84 months. All Loans Must be MLA Compliant.

View Personal Loans

Amount Term Rate*
$0 — $1,500 12 months 10.49%
$1,501 — $3,000 24 months 10.49%
$3,001 — $4,500 36 months 10.49%
$4,501 — $6,000 48 months 11.49%
$6,001 — Above 60 months 12.49%
*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 9/20/2023. All Loans Must be MLA Compliant.

View Credit Cards

Rate for Purchases* Rewards* Annual Fee* Balance Transfers* Cash Back Rewards*
14.00% to 17.90% Earn 1.5 points for every $1 spent No annual fee No balance transfer fee Yes
*APR is Annual Percentage Rate. Rates are based on the credit worthiness of each applicant and are subject to change, without advance notice, at any time. Other terms, conditions and fees may apply. Subject to credit approval. APR is effective as of 12/23/2025.

View Mortgage Loans

Term Rate APR
30 Year 6.375% 6.574%
20 Year 6.250% 6.511%
15 Year 5.750% 6.069%
10 Year 5.750% 6.202%

View Mortgage Loans

Term Rate APR
30 Year 6.375% 7.571%
15 Year 6.375% 7.789%

View Mortgage Loans

Term Rate APR
15 Year 7.500% 8.173%
10 Year 7.250% 7.730%
5 Year 7.000% 7.116%

View HELOCs

Rate* APR
7.750% 7.750%
APR = Annual Percentage Rate

The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR.

APR calculation assumes the following loan conditions for Primary Residences:

Conventional: Loan Amount - $100,000.00; LTV - 80% - without LLPA

FHA: Loan Amount - $120,625.00; LTV - 96.5% - without LLPA

Other: Loan Amount - $50,000.00; LTV - 80%

*Home Equity Line of Credit: this loan has a 15 year term which is adjustable quarterly and is based on Wall Street Journal Prime + 1%. The first 5 years of the term consists of interest-only payments and the final 10 years is the principal + interest payback period. Minimum draw request must be $4000 during the first 5 years. Note rate floor: 4%. Note rate ceiling: 18%.

Rates are subject to change without notice. Rates updated daily.