Deposit and Loan Rates

*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 11/1/2026 and subject to change at any time without notice.

**APR = Annual Percentage Rate. Advertised Home Equity Line of Credit (HELOC) APR (actual APR) reflects our best available rate and is available for owner-occupied primary residences with a loan-to-value ratio of 80% or less located in Pennsylvania, Maryland, New Jersey, North Carolina, and Ohio. Rates are variable and based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the last day of each month (“Index”), plus a margin. The margin is determined based on credit qualifications and other underwriting factors. The Index plus the applicable margin equals your interest rate. The advertised APR reflects our best available rate and requires a qualifying TransUnion credit score of 750 or higher and satisfaction of applicable underwriting criteria. Your rate will never be lower than 3.50% APR. The maximum rate you could potentially be charged is 18.00% APR.  As of 9/17/2026, the Prime Rate was 7.00% APR. Property insurance is required. All applications are subject to credit approval, underwriting, and collateral evaluation. Third-party fees and closing costs may apply. For most loans, these fees generally total between $150 and $900.

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 5.34% APR and 36-month term is $301.24.

Home Equity Fixed Rate Loan: APR = Annual Percentage Rate. Not all members will qualify for the advertised rate. APRs are based on creditworthiness, term of loan, loan-to-value, direct deposit & automatic payments to/from a Discovery FCU account. Other restrictions apply. A sample Fixed Rate Home Equity Loan payment based on $10,000, 85% LTV and a 5-year term at 5.60% is $191.47. Advertised APR reflects our best available rate and is available for owner-occupied primary residences with a loan-to-value ratio of 80% or less located in Pennsylvania, Maryland, New Jersey, North Carolina, and Ohio. Property insurance is required. All applications are subject to credit approval, underwriting, and collateral evaluation. Third-party fees and closing costs may apply and vary. For most loans, these fees generally total between $150 and $900.