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Dutch Point Credit Union

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Dutch Point Credit Union Rates & Review November 2026

Q: What are the current interest rates at Dutch Point Credit Union?

Current rates for Dutch Point Credit Union include: 12-Month CD: 1.25%, 18-Month CD: 1.50%, 24-Month CD: 1.75%, 60-Month CD: 3.00%, Savings: 1.00%, MMA: 2.50%

Q: What CD terms does Dutch Point Credit Union offer?

Dutch Point Credit Union CD rates are 4.25% APY for an 11 month CD, 3.75% APY for a 12 month CD, 1.50% APY for an 18 month CD, 1.75% APY for a 2 year CD, 4.00% APY for a 30 month CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Dutch Point Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Dutch Point Credit Union's CD - 11 month rates are at 4.25%, CD - 30 month rates are at 4.00%, Freestyle CD (12 month) rates are at 3.75%, CD - 60 month rates are at 3.00%, Save to Win CD (12 month) rates are at 2.00%. Dutch Point Credit Union's savings rates are at 1.00%. Dutch Point Credit Union's money market rates are at 2.50%. Dutch Point Credit Union's checking rates are as high as 0.05%. Dutch Point Credit Union's Personal Loan Rates are as low as 7.99%. Dutch Point Credit Union's Credit Card Rates are at 11.00%. Dutch Point Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Dutch Point Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.64%. Rates last updated and verified on 10/29/2026.

Dutch Point 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 Dutch Point Credit Union? Share your experience about Dutch Point Credit Union by leaving a review below, or read customer reviews before you decide to use Dutch Point 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

0.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dutch Point Credit Union
Wethersfield

195 Silas Deane Hwy
Wethersfield, CT 06109-1240

https://www.dutchpoint.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Dutch Point Credit Union CD Rates

Product	Rate	APY	Term
12 month Jumbo Share Certificates	4.354%	4.45%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $300,000.00 and greater; Available in 3-, 6-, 9- and 12-Month Terms; Effective Date: October 1, 2026; A $100,000 minimum balance is required to open and earn dividends; Rates are fixed for the term of the certificate Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30% Oct 29, 20264.45%▲ from 4.30% Oct 9, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
12 month Jumbo Share Certificates	4.258%	4.35%	12 months
Min Deposit $100,000 Min Balance $200,000 Details Balance: $200,000.00 - $299,999.99; Available in 3-, 6-, 9- and 12-Month Terms; Effective Date: October 1, 2026; A $100,000 minimum balance is required to open and earn dividends; Rates are fixed for the term of the certificate Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Jumbo IRA Certificate (12 month)	4.21%	4.30%	12 Months
Details IRA Certificate; footnote states $500 minimum balance for an IRA Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Oct 9, 20264.30%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
12 month Jumbo Share Certificates	4.21%	4.30%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; Available in 3-, 6-, 9- and 12-Month Terms; Effective Date: October 1, 2026; A $100,000 minimum balance is required to open and earn dividends; Rates are fixed for the term of the certificate Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 11 month	4.162%	4.25%	11 Months
Min Balance $1,000 Details SPECIAL: 11 Months; $1,000 minimum to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - SPECIAL: 11 month	4.162%	4.25%	11 Months
Min Balance $1,000 Details Special rate; Share Certificate APY assumes dividends are retained; minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 30 month	3.922%	4.00%	30 Months
Min Balance $1,000 Details SPECIAL: 30 Months; $1,000 minimum to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - SPECIAL: 30 month	3.922%	4.00%	30 Months
Min Balance $1,000 Details Special rate; Share Certificate APY assumes dividends are retained; minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Freestyle Certificate (12 month)	3.682%	3.75%	12 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 60 month	2.956%	3.00%	60 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Save to Win Certificate (12 month)	1.98%	2.00%	12 Months
Min Balance $25 Details Save to Win Certificate; minimum balance $25 to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 48 month	1.98%	2.00%	48 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 24 month	1.735%	1.75%	24 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 36 month	1.735%	1.75%	36 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 18 month	1.489%	1.50%	18 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 12 month	1.242%	1.25%	12 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Youth Certificate (12 month)	1.242%	1.25%	12 Months
Min Balance $500 Details Youth Certificate; minimum balance $500 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 9 month	0.995%	1.00%	9 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 6 month	0.747%	0.75%	6 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 3 month	0.499%	0.50%	3 Months
Min Balance $1,000 Details Minimum balance $1,000 to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.995%	1.00%
Min Balance $25 Details Share Savings; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Holiday Club	0.02%	0.02%
Min Balance $25 Details Share Savings; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Primary Savings	0.02%	0.02%
Min Balance $100 Details Share Savings; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Special Purpose Savings	0.02%	0.02%
Min Balance $25 Details Share Savings; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Money Market Rates

Product	Rate	APY
25 Karat Money Market	2.469%	2.50%
Min Deposit $25,000 Min Balance $300,000 Details Balance: $300,000.00 and greater; $25,000 balance required to open account; dividends earned on $.01 and greater; $20 fee if balance falls below $25,000 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
25 Karat Money Market	1.98%	2.00%
Min Deposit $25,000 Min Balance $200,000 Details Balance: $200,000.00 - $299,999.99; $25,000 balance required to open account; dividends earned on $.01 and greater; $20 fee if balance falls below $25,000 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
25 Karat Money Market	1.489%	1.50%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $25,000 balance required to open account; dividends earned on $.01 and greater; $20 fee if balance falls below $25,000 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Maxi Money Market	1.489%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 and greater; $2,500 minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
25 Karat Money Market	1.242%	1.25%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $25,000 balance required to open account; dividends earned on $.01 and greater; $20 fee if balance falls below $25,000 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
25 Karat Money Market	0.995%	1.00%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.00 - $49,999.99; $25,000 balance required to open account; dividends earned on $.01 and greater; $20 fee if balance falls below $25,000 during the month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Maxi Money Market	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $2,500 minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Maxi Money Market	0.846%	0.85%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; $2,500 minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Maxi Money Market	0.598%	0.60%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; $2,500 minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Maxi Money Market	0.449%	0.45%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; $2,500 minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Checking Rates

Product	Rate	APY	View More
Advantage Checking	0.05%	0.05%
Details Effective Date: October 1, 2026; No minimum balance required to earn dividends; Must maintain an average daily balance of $1,000 in Advantage Checking to avoid a monthly fee; Dividends earned based on average daily balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Oct 9, 20260.05%▲ from 0.02% Sep 14, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fast Track Home Equity Loan	-	-	5.50%	Up to 96 Months
Details As Low As; $50,000 minimum loan amount; $766,550 maximum loan amount; 75% maximum loan to value ratio; no additional rate discounts apply; $300 application fee non-refundable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.38% → 5.50% ▲ 0.13 pts · high 5.50% / low 5.38% Oct 2, 20265.50%▲ from 5.38% Sep 14, 20265.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 80% Loan to Value	-	-	5.74%	Up to 60 Months
Details As Low As; APR listed includes a .25% discount for Dutch Point Credit Union being in first lienholder position; $10,000 minimum and $150,000 maximum loan amount for terms up to 180 months with loan to value up to 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Fast Track Home Equity Loan	-	-	5.75%	97 - 144 Months
Details As Low As; $50,000 minimum loan amount; $766,550 maximum loan amount; 75% maximum loan to value ratio; no additional rate discounts apply; $300 application fee non-refundable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 5.75% ▲ 0.13 pts · high 5.75% / low 5.63% Oct 2, 20265.75%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 80% Loan to Value	-	-	5.99%	61 - 120 Months
Details As Low As; APR listed includes a .25% discount for Dutch Point Credit Union being in first lienholder position; $10,000 minimum and $150,000 maximum loan amount for terms up to 180 months with loan to value up to 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 80% Loan to Value	-	-	6.25%	121 - 180 Months
Details As Low As; APR listed includes a .25% discount for Dutch Point Credit Union being in first lienholder position; $10,000 minimum and $150,000 maximum loan amount for terms up to 180 months with loan to value up to 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 80% Loan to Value	-	-	6.75%	181 - 240 Months
Details As Low As; APR listed includes a .25% discount for Dutch Point Credit Union being in first lienholder position; $50,000 minimum and $350,000 maximum loan amount for terms 181-240 months with loan to value up to 75% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 90% Loan to Value	-	-	7.25%	Up to 60 Months
Details As Low As; APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position; $10,000 minimum loan amount; $50,000 maximum loan amount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Equity Loan - 90% Loan to Value	-	-	8.00%	61 - 120 Months
Details As Low As; APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position; $10,000 minimum loan amount; $50,000 maximum loan amount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.49%	Up to 60 Months
Details As Low As; Model Years: 2025 to 2027; Vehicle mileage cannot exceed 10,000 miles; APRs include .26% discount for LTV <= 80% or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
New Auto Loan	-	-	4.99%	61 - 76 Months
Details As Low As; Model Years: 2025 to 2027; Vehicle mileage cannot exceed 10,000 miles; APRs include .26% discount for LTV <= 80% or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Used Auto Loan	-	-	4.99%	Up to 60 Months
Details As Low As; Model Years: 2018 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Used Auto Loan	-	-	5.24%	61 - 76 Months
Details As Low As; Model Years: 2019 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
New Auto Loan	-	-	5.49%	77 - 84 Months
Details As Low As; Model Years: 2025 to 2027; Vehicle mileage cannot exceed 10,000 miles; APRs include .26% discount for LTV <= 80% or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Used Auto Loan	-	-	5.99%	77 - 84 Months
Details As Low As; Model Years: 2023 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from DPCU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
First Time Auto Buyer	-	-	6.74%	Up to 60 Months
Details Model Year: 2019 Model Year and Newer; Fixed APR; APR includes .26% discount for LTV of 80% or less or automatic payment from a Dutch Point Credit Union checking account; Vehicle must be a 2019-2027 model year; Up to 95% loan to value; 5% cash down or equivalent trade-in required; $35,000 maximum loan amount Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
First Time Auto Buyer	-	-	8.24%	61 - 76 Months
Details Model Year: 2019 Model Year and Newer; Fixed APR; APR includes .26% discount for LTV of 80% or less or automatic payment from a Dutch Point Credit Union checking account; Vehicle must be a 2019-2027 model year; Up to 95% loan to value; 5% cash down or equivalent trade-in required; $35,000 maximum loan amount Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Used Auto Loans - 2017 Model Year and Older	-	-	8.49%	Up to 48 Months
Details APR as low as; 2007-2017 vehicle years, vehicle must be titled; APR includes .26% discount for LTV <= 80% or automatic payment from DPCU checking; vehicles exceeding 125,000 miles also fall in this category; vehicle loan to value cannot exceed 100% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	8.99%	Up to 60 Months
Details As Low As; Up to 100% loan to value financing is available. Certain conditions and restrictions may apply. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loans	-	8.99%	Up to 60 Months
Details As Low As; Recreational Vehicle must be a 2016 or newer model year Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loans	-	9.99%	61 - 84 Months
Details As Low As; Recreational Vehicle must be a 2016 or newer model year Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Recreational Vehicle Loans	-	10.99%	85 - 120 Months
Details As Low As; Recreational Vehicle must be a 2016 or newer model year Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Credit Card Rates

Product	Rate	APR
Visa Essential Credit Card	-	11.00%
Details Published APR range: 11.00% - 17.99%. Effective Date: October 29, 2026; Rate is based on your creditworthiness and varies with the Prime Rate Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 29, 202611.00%▲ from 10.75% Oct 9, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Visa Platinum Credit Card	-	12.00%
Details APR range: 12.00% - 17.99%; Rate is based on creditworthiness and varies with the Prime Rate; Effective Date: October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 29, 202612.00%▲ from 11.75% Oct 9, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Visa Signature Credit Card	-	17.99%
Details Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 17.75% → 17.99% ▲ 0.24 pts · high 17.99% / low 17.75% Oct 29, 202617.99%▲ from 17.75% Oct 9, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Personal Loan Rates

Product	APR	Term
Dream Forward Personal Loan	7.99%	Up to 24 Months
Details As Low As; APR based on credit history and loan term; $5,000 maximum loan amount; 24-month rate available for a limited time only and subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Personal Loans	11.49%	Up to 60 Months
Details As Low As; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Personal Loans	13.49%	61 - 72 Months
Details As Low As; Minimum loan amount conditions apply for 61 to 84 month loan terms; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Personal Loans	14.49%	73 - 84 Months
Details As Low As; Minimum loan amount conditions apply for 61 to 84 month loan terms; Effective Date: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Visa Signature Credit Card	17.99%
Details Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 17.75% → 17.99% ▲ 0.24 pts · high 17.99% / low 17.75% Oct 29, 202617.99%▲ from 17.75% Oct 9, 202617.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

Dutch Point Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Flex Line of Credit	-	-	6.99%	Open Ended - Line of
Details Term: Open Ended - Line of Credit; Fixed APR; Maximum credit line of $3,000.00; subject to credit approval; membership required with $5.00 savings account; limited time offer Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Freedom Line of Credit	-	-	12.99%	Open Ended - Line of
Details Term: Open Ended - Line of Credit; Fixed APR; $15,000 maximum loan amount; $50 annual fee Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Improvement Loans	-	-	10.00%	Up to 60 Months
Details As Low As; APR* as low as; Minimum loan amount conditions apply for 61 to 84 month loan terms; $30,000 maximum loan amount; Certain conditions and restrictions may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Improvement Loans	-	-	12.00%	61 - 72 Months
Details As Low As; APR* as low as; Minimum loan amount conditions apply for 61 to 84 month loan terms; $30,000 maximum loan amount; Certain conditions and restrictions may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Home Improvement Loans	-	-	13.00%	73 - 84 Months
Details As Low As; APR* as low as; Minimum loan amount conditions apply for 61 to 84 month loan terms; $30,000 maximum loan amount; Certain conditions and restrictions may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Escrow	0.50%	-	0.50%
Details Share Savings; Effective Date: October 1, 2026; No minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Loan Payment	0.02%	-	0.02%
Details Share Savings; Effective Date: October 1, 2026; No minimum balance required to earn dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%
Share Certificate - 12 Months	-	-	1.25%	12 Months
Min Balance $1,000 Details Source prints dividend rate as '.1.242%' (typo); $1,000 minimum to earn dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.64%

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

Dutch Point Credit Union’s Texas Ratio stayed near 0.52% in Q3 2023 to 0.64% in Q2 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
June 30, 2026	$565M	0.64%	5.0	A+
March 31, 2026	$560M	0.78%	5.0	A+
December 31, 2025	$544M	0.84%	5.0	A+
September 30, 2025	$530M	1.68%	5.0	A+
June 30, 2025	$533M	1.96%	5.0	A+
March 31, 2025	$522M	0.67%	5.0	A+
December 31, 2024	$511M	0.68%	5.0	A+
September 30, 2024	$493M	0.74%	5.0	A+
June 30, 2024	$499M	0.37%	5.0	A+
March 31, 2024	$492M	0.43%	5.0	A+
December 31, 2023	$475M	0.34%	5.0	A+
September 30, 2023	$468M	0.52%	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 Dutch Point 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 Dutch Point 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 Dutch Point Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dutch Point Credit Union

Website https://www.dutchpoint.org

Address 195 Silas Deane Hwy, Wethersfield, CT 06109-1240

Phone 860-563-2617

Fax 860-529-6827

President Michael Curtin

CEO Charlyn Tanner

Full-Time Employees 76

Part-Time Employees 3

Branch Locations 9

ATM Locations 8

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

0.64%

Return on Assets (ROA)

0.5042%

Return on Equity (ROE)

4.7781%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

565,376,189

Total Amount of Shares and Deposits

499,772,493

Total Shares and Deposits < 1 Year

494,367,335

Total Shares and Deposits 1 3 Years

4,285,386

Total Shares and Deposits > 3 Years

1,119,774

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

35,346,048

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

35,346,048

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

464,426,445

Total Interest Expense (Sum of items 6 8)

4,213,412

Share Certificates

3,914

Number of Accounts for Share Drafts

16,171

IRA KEOGH Accounts

1,016

Number of Accounts for Regular Shares

37,917

Money Market Shares

1,633

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)

48,245,710

Total Liabilities

504,725,670

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Dutch Point 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Dutch Point Credit Union

Does Dutch Point Credit Union offer CDs?

Yes. Dutch Point Credit Union current CD rates include its CD - 11 month at 4.25% APY, its CD - 30 month at 4.00% APY and its Freestyle CD (12 month) at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Dutch Point Credit Union NCUA insured?

Yes. Dutch Point Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Dutch Point Credit Union?

The highest Dutch Point Credit Union CD rate is its 12 month Jumbo CDs at 4.45% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Dutch Point Credit Union offer?

Dutch Point Credit Union CD rates are 4.25% APY for an 11 month CD, 3.75% APY for a 12 month CD, 1.50% APY for an 18 month CD, 1.75% APY for a 2 year CD, 4.00% APY for a 30 month CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Dutch Point Credit Union for its full lineup.

What is the highest savings rate at Dutch Point Credit Union?

The highest Dutch Point Credit Union savings rate is its IRA Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Dutch Point Credit Union?

The highest Dutch Point Credit Union money market rate is its 25 Karat Money Market at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Dutch Point Credit Union?

The highest Dutch Point Credit Union checking rate is its Advantage Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Dutch Point Credit Union?

The lowest Dutch Point Credit Union auto loan rate is its New Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Dutch Point Credit Union?

The lowest Dutch Point Credit Union personal loan rate is its Dream Forward Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Dutch Point Credit Union?

The lowest Dutch Point Credit Union credit card APR is its Visa Essential Credit Card at 11.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Dutch Point Credit Union operate?

Dutch Point 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 Dutch Point Credit Union?

Yes, to access services at Dutch Point 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, Dutch Point 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, Dutch Point Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dutch Point Credit Union offer online and mobile banking?

Most modern institutions like Dutch Point 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.dutchpoint.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Dutch Point Credit Union rates compare?

Dutch Point Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A+ health rating. Dutch Point Credit Union's top rates are its 12 month Jumbo CDs at 4.45% APY, its IRA Savings at 1.00% APY, its 25 Karat Money Market at 2.50% APY, its Advantage Checking at 0.05% APY, its Dream Forward Personal Loan at 7.99% APR and its Visa Essential Credit Card at 11.00% APR, verified by MonitorBankRates on October 29, 2026.

Current Dutch Point Credit Union Rates

12-Month CD1.25%
18-Month CD1.50%
24-Month CD1.75%
60-Month CD3.00%
Savings1.00%
MMA2.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Dutch Point Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Dutch Point Credit Union Texas Ratio

Dutch Point Credit Union Health Trend

Dutch Point Credit Union CD Rates

Dutch Point Credit Union Savings Rates

Dutch Point Credit Union Money Market Rates

Dutch Point Credit Union Checking Rates

Dutch Point Credit Union Home Equity & HELOC

Dutch Point Credit Union Auto Loan Rates

Dutch Point Credit Union RV, Boat and Powersport Loan Rates

Dutch Point Credit Union Credit Card Rates

Dutch Point Credit Union Personal Loan Rates

Dutch Point Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Dutch Point Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Dutch Point Credit Union

Does Dutch Point Credit Union offer CDs?

Are CDs from Dutch Point Credit Union NCUA insured?

What is the highest CD rate at Dutch Point Credit Union?

What CD terms does Dutch Point Credit Union offer?

What is the highest savings rate at Dutch Point Credit Union?

What is the highest money market rate at Dutch Point Credit Union?

What is the highest checking rate at Dutch Point Credit Union?

What is the lowest auto loan rate at Dutch Point Credit Union?

What is the lowest personal loan rate at Dutch Point Credit Union?

What is the lowest credit card APR at Dutch Point Credit Union?

How many branches does Dutch Point Credit Union operate?

Is a member application needed to join Dutch Point Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Dutch Point Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Dutch Point Credit Union rates compare?

Current Dutch Point Credit Union Rates

Compare to Other Credit Unions