Loan Rates
Whether it’s a vacation, an addition to your home, a new car, college tuition, or anything that comes to mind, just let us know. We’ll do our best to find a way to make your dream come true with a Dade County Federal loan that works with your budget and lifestyle. You’ll be surprised by just how easy financing your dreams can be with Dade County Federal Credit Union.
Loan Rates
Rates effective as of July 1, 2025
Signature Loan
| Term | APR | Min. Loan Amount |
|---|---|---|
| Up to 60 months | As low as 10.49% |
$500.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
County Line of Credit
| Term | APR | Min. Loan Amount |
|---|---|---|
| No Term | 10.74% | $2,500.00 |
VISA Platinum Credit Card
| Term | APR |
|---|---|
| Revolving | As low as 11.90% to 17.90% |
Certificate Secured Loan
| Term | APR | Min. Loan Amount |
|---|---|---|
| Up to Maturity of Certificate | 2.5% above the Certificate Rate | $500.00 |
New Auto Loans
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.24% |
$5,000.00 |
| 48 Months | As low as 4.49% |
$5,000.00 |
| 60 Months | As low as 4.74% |
$5,000.00 |
| 66 Months | As low as 4.99% |
$5,000.00 |
| 72 Months | As low as 5.24% |
$5,000.00 |
| 75 Months | As low as 5.49% |
$5,000.00 |
| 84 Months | As low as 5.99% |
$20,000.00 |
| 96 Months | As low as 6.94% |
$85,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.
Used Auto Loans
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.74% |
$5,000.00 |
| 48 Months | As low as 4.99% |
$5,000.00 |
| 60 Months | As low as 5.24% |
$5,000.00 |
| 66 Months | As low as 5.49% |
$5,000.00 |
| 72 Months | As low as 5.74% |
$5,000.00 |
| 75 Months | As low as 5.99% |
$5,000.00 |
| 78 Months | As low as 6.24% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
New & Used Motorcycle Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 60 months | As low as 4.00% |
$5,000.00 |
| Used - up to 60 Months | As low as 5.00% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
New & Used RV Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 84 months | As low as 4.75% |
$20,000.00 |
| Used - up to 60 months | As low as 5.75% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
New & Used Boat Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 72 months | As low as 7.49% |
$5,000.00 |
| Used - up to 72 months | As low as 8.00% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
Camping Unit & Travel Trailer Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 72 months | As low as 6.75% |
$5,000.00 |
| Used - up to 60 months | As low as 7.75% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
Home Equity Line of Credit (HELOC)
HELOC has a 20-year term with 10-year draw period.
| Introductory Term | Introductory APR | Min. Loan Amount |
|---|---|---|
| 12 Months | As low as 3.99% |
As low as $25,000.00 |
| 60 Months | As low as 6.99% |
$25,000.00 |
*Introductory rate as low as 3.99% APR available for 12 months with a minimum draw at time of closing of $25,000 or full line, if less than $25,000. Credit Union pays customary closing costs up to $1,500. Up-to 85% CLTV (combined loan-to-value), PMI may be required, subject to property valuation, valid for primary residences, single family, PUD or condos in Florida only. Existing loans are not eligible for promotional rate unless new loan with an increase advance of $25,000 is obtained. After initial promotional period, the APR may vary, subject to Prime plus or minus contracted margin. The APR will not go below the Floor Rate of 4.00% and higher than the Cap of 18.00%. The Member must repay the closing costs if the loan is paid and closed prior to 2 years. Rates and terms are subject to change without notice. Must close with A&M Title. Homeowners/Windstorm is required and Flood Insurance is required if property is located in a Flood Zone. Rates and terms subject to change without notice. Credit Union Membership required prior to closing.
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APR = Annual Percentage Rate. Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion.
Term = The repayment period for all loan types varies.