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 |
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 6.49% |
$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 7.49% |
$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.
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.