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Dillards Federal Credit Union

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Dillards Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dillards Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Dillards Federal Credit Union's Personal Loan Rates are as low as 7.50%. Dillards Federal Credit Union's Credit Card Rates are at 6.69%. MonitorBankRates evaluates the financial stability of Dillards Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.19%. Rates last updated and verified on 09/23/2026.

Dillards Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dillards Federal Credit Union? Share your experience about Dillards Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Dillards Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.19%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dillards Federal Credit Union
Main Office

1600 CANTRELL RD
Little Rock, AR 72201-1110

https://www.mydfcu.com

Dillards Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.79%	36 months
Details As low as; Limited time offer. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Auto Loans	-	-	3.99%	48-84 months
Details As low as; Limited time offer. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Cars / Trucks 2025-2026 Loan	-	-	3.99%
Details Published APR range: 3.99% to 12.99%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Cars / Trucks 2020-2024 Loan	-	-	4.49%
Details Published APR range: 4.49% to 13.49%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Older Model (2018 or older) autos, trucks, vans and RVs over seven year models in age	-	-	7.50%
Details Published APR range: 7.50% to 15.50%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Dillards Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
RVs / Boats / ATVs / Motorcycles 2025-2026 Loan	-	4.49%
Details Published APR range: 4.49% to 11.49%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
RVs / Boats / ATVs / Motorcycles 2020-2024 Loan	-	4.99%
Details Published APR range: 4.99% to 11.99%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Dillards Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	6.69%
Details No annual fee; No balance transfer fee; Same low rate for purchases, cash advances, and balance transfers; $5,000 maximum credit limit. Your credit limit will be determined based on creditworthiness and other factors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Dillards Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal/Signature Loan	7.50%
Details Published APR range: 7.50% to 16.00%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Dillards Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	7.75%
Details Published APR range: 7.75% to 9.75%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Misc. Collateral Loan	-	-	7.25%
Details Published APR range: 7.25% to 15.75%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Regular Shares	0.05%	-	0.05%
Min Balance $5 Details Balance: $5.00 to $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Regular Shares	0.10%	-	0.10%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Regular Shares	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Dillards Federal Credit Union’s Texas Ratio stayed near 0.63% in Q2 2023 to 0.19% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$26M	0.19%	5.0	A+
December 31, 2025	$23M	0.35%	5.0	A+
September 30, 2025	$24M	0.66%	5.0	A+
June 30, 2025	$24M	0.48%	5.0	A+
March 31, 2025	$25M	0.68%	5.0	A+
December 31, 2024	$23M	0.56%	5.0	A+
September 30, 2024	$24M	0.44%	5.0	A+
June 30, 2024	$24M	0.81%	5.0	A+
March 31, 2024	$25M	0.86%	5.0	A+
December 31, 2023	$24M	1.39%	5.0	A+
September 30, 2023	$24M	1.05%	5.0	A+
June 30, 2023	$25M	0.63%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dillards Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dillards Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dillards Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dillards Federal Credit Union

Website https://www.mydfcu.com

Address 1600 CANTRELL RD, Little Rock, AR 72201-1110

Phone 501-340-2300

Fax 501-340-2385

President Daryl Bailey

CEO Tammie Sneed

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.19%

Return on Assets (ROA)

0.3377%

Return on Equity (ROE)

2.7177%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

25,543,100

Total Amount of Shares and Deposits

22,344,155

Total Shares and Deposits < 1 Year

22,342,924

Total Shares and Deposits 1 3 Years

1,231

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,046,474

Total Uninsured Shares and Deposits > $250K (F+J)

3,046,474

Total Insured Shares and Deposits > $250K (item 17 less item K)

19,297,681

Total Interest Expense (Sum of items 6 8)

9,264

Share Certificates

Number of Accounts for Share Drafts

737

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,130

All other shares

507

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

86,261

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,830,449

Total Liabilities

22,369,043

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Dillards Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Dillards Federal Credit Union

How many branches does Dillards Federal Credit Union operate?

Dillards Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dillards Federal Credit Union?

Yes, to access services at Dillards Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dillards Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dillards Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dillards Federal Credit Union offer online and mobile banking?

Most modern institutions like Dillards Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mydfcu.com.