New & Used Vehicle Loans and Motorcycle Loans
| Term | as low as APR* |
|---|---|
| 0 to 36 months | 5.24% |
| 37 to 48 months | 5.24% |
| 49 to 60 months | 5.24% |
| 61 to 72 months | 5.94% |
| 73 to 84 months | 6.19% |
Rates listed for vehicle loans are for model year 2016 and newer. Other rates apply for older model vehicles.
Home Equity Line of Credit
| Term | as low as APR* |
|---|---|
| Regular, Variable | 7.50% |
Home Equity Loans
| Term | as low as APR* |
|---|---|
| 0 to 60 months | 5.39% |
| 61 to 84 months | 5.39% |
| 85 to 120 months | 5.64% |
| 121 to 180 months | 5.89% |
| 181 to 240 months | 6.69% |
LIFESTYLE Loans
(for cosmetic, dental, vision, orthodontics, audiology, fertility, adoptions, and other health-related products and procedures)
| Term | as low as APR* |
|---|---|
| 0 to 12 months | 6.25% |
| 13 to 24 months | 7.25% |
| 25 to 36 months | 11.00% |
| 37 to 60 months | 12.00% |
RV, Boat, Travel Trailer, Motorhome, ATV & Other Recreational Vehicle Loans
| Term | as low as APR* |
|---|---|
| 0 to 60 months | 7.25% |
| 61 to 84 months | 7.75% |
| 85 to 120 months | 8.00% |
| 121 to 180 months | 8.50% |
The minimum amount financed for 85 to 120 months is $15,000.
The minimum amount financed for 121 to 180 months is $25,000.
Share Secured Loans
| Terms |
as low as APR*
|
|---|---|
| 0 to 60 months |
4.70%
|
Personal Loans
| Terms |
as low as APR*
|
|---|---|
| 0 to 60 months |
9.99%
|
Summer Fun Personal Loan Special
This limited time unsecured loan special has an amazing rate available for a maximum amount of $5,000 and a maximum term of up to 18 months.
| Terms |
as low as APR*
|
|---|---|
| 0 to 18 months |
8.49%
|
Limited time Summer Fun Personal Loan Special. The rate displayed is the lowest available rate and your rate may be higher. APRs are based on your creditworthiness, term of the loan, direct deposit to a Discovery FCU account, and automatic electronic payments from your Discovery FCU account. A sample $5,000.00 loan payment at 8.49% APR at a 18-month term is $296.82. Loan terms up to 18 months.
VISA Classic Credit Card
| Term | APR* |
|---|---|
| non-variable | 12.99% |
VISA Platinum Credit Card
| Term | APR* |
|---|---|
| non-variable | 8.99% |
*APR = Annual Percentage Rate. Your rate may be higher than the lowest advertised APR. APRs are based on your loan-to-value, creditworthiness, term of loan, amount of loan, direct deposit to a Discovery FCU account, and electronic payments from your Discovery FCU account. APRs are subject to change anytime without notice. Other terms and conditions apply based on the type of loan you establish. Rates listed above are as of 4/1/2025 and subject to change at any time without notice.
**Home Equity Line of Credit (HELOC) – Applies to minimum line of $10,000, is subject to change without notice, and applies to a loan-to-value ratio of 80% for a primary residence located in Pennsylvania. Rates vary depending upon the amount financed, credit score, lien position, and collateral. The line is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal on the last day of each month (“Index”) plus 0% (“Margin”) The index plus the Margin equals the Interest Rate. As of 1/1/2025 the Prime Rate was 7.50% APR. Property insurance is required. PA residences only. Your rate will never be lower than 3.50% APR. All lines of credit are subject to approval and collateral evaluation. Fees and charges may apply. Additional restrictions, limitations and exclusions may apply. Please call Discovery FCU at 610-372-8010 for further details.
New/Used Auto Loans: Refinancing of existing Discovery FCU debt is not eligible for the advertised APRs. A sample auto loan payment based on $10,000 at 5.24% APR and 36-month term is $300.79.
Home Equity Loan: A sample Fixed Home Equity Loan payment based on $10,000 at 5.39%, 85% LTV and 5 year term is $190.50.
Personal Checking
| Checking Account Product | Average Daily Balance | Dividend Rate* | APY** |
|---|---|---|---|
| Basic Checking | $.01 and above | 0.00% | 0.00% |
| Dividend Checking | $1,000.00 and above | 0.10% | 0.10% |
| Checking Account Product | Average Daily Balance | Dividend Rate* | APY** |
|---|---|---|---|
| Business Checking | $1,000.00 and above | 0.10% | 0.10% |
Money Market
| Average Daily Balance | APY* | APR* |
|---|---|---|
| $2,500.01 – $25,000.00 | 1.00% | 1.00% |
| $25,000.01 – $50,000.00 | 1.10% | 1.09% |
| $50,000.01 – $100,000.00 | 1.15% | 1.14% |
| $100,000.01 – $250,000.00 | 1.20% | 1.19% |
| $250,000.01 & above | 1.25% | 1.24% |
Certificates
| Term | APY* | APR** |
|---|---|---|
| 6 month*** | 3.75% | 3.69% |
| 9 month *** | 3.75% | 3.69% |
| 12 month*** | 3.75% | 3.69% |
| 18 month*** | 3.50% | 3.45% |
| 24 month*** | 3.50% | 3.45% |
| 36 month*** | 3.50% | 3.45% |
| 48 month*** | 3.50% | 3.45% |
| 60 month*** | 3.50% | 3.45% |
Traditional IRA
| Average Daily Balance | APY** | APR* |
|---|---|---|
| $0.01 and above | 1.00% | 1.00% |
Roth IRA
| Average Daily Balance | APY** | APR* |
|---|---|---|
| $0.01 and above | 1.00% | 1.00% |
Educational IRA
| Average Daily Balance | APY** | APR* |
|---|---|---|
| $0.01 and above | 1.00% | 1.00% |
Savings
| Average Daily Balance | APY** | APR* | |
|---|---|---|---|
| Basic Savings | $.01 and above | 0.05% | 0.05% |
* Dividend Rate is as of 5/1/2025 and subject to change.
** Annual Percentage Yield – assumes dividends remain on deposit and subject to change.
*** Fixed rate for the term of Certificate. Minimum balance requirement of $100.