What are the current interest rates at Destinations Credit Union?

Current rates for Destinations Credit Union include: 12-Month CD: 3.30%, 24-Month CD: 3.00%, 60-Month CD: 2.85%, Savings: 0.10%

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Destinations Credit Union

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Destinations Credit Union Rates & Review September 2026

Q: Is a member application needed to join Destinations Credit Union?

Yes, to access services at Destinations 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Destinations 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 22, 2026

Destinations Credit Union's 12 Month Share & IRA CDs rates are at 3.30%, 6 Month Share & IRA CDs rates are at 3.15%, 24 Month Share & IRA CDs rates are at 3.00%, 36 Month Share & IRA CDs rates are at 3.00%, 60 Month Share & IRA CDs rates are at 2.85%. Destinations Credit Union's savings rates are at 0.10%. Destinations Credit Union's Home Loans (15-Year Fixed) rates are at 6.00%. Destinations Credit Union's Personal Loan Rates are as low as 10.69%. Destinations Credit Union's Credit Card Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Destinations Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.94%. Rates last updated and verified on 09/22/2026.

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

0.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Destinations Credit Union
Main Branch/Office

8767 Satyr Hill Rd
Baltimore, MD 21234

https://www.destinationscu.org

Destinations Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share & IRA Certificates	3.25%	3.30%	12 Months (1 Year)
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
6 Month Share & IRA Certificates	3.10%	3.15%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
24 Month Share & IRA Certificates	2.96%	3.00%	24 Months (2 Years)
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
36 Month Share & IRA Certificates	2.96%	3.00%	36 Months (3 Years)
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
60 Month Share & IRA Certificates	2.81%	2.85%	60 Months (5 Years)
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Savings	-	0.10%
Min Deposit $15 Min Balance $10,000 Details Qualifications Required: All PREFerred Rewards Checking qualifications must be met in order to qualify for any of the benefits.; PREFERRED Savings is a new savings account exclusively offered to our PREFERRED Rewards Checking members. Save More Access higher dividend rates - currently 0.25% APY (subject to change) on any balance up to $10,000 and 0.10% APY for amounts above $10,000. Choose to automatically transfer your earned dividends from your PREFERRED Rewards Checking into your PREFERRED Savings each month. Enjoy Convenience & Peace of Mind No monthly maintenance fee No minimum balance to earn rewards Free online banking, mobile banking, and eStatements Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Primary savings	0.10%	0.10%
Min Balance $50 Details With balance of $50 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Secondary Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Checking Rates

Product	Rate	APY
PREFERRED Rewards Checking	3.20%	3.25%
Min Balance $10,000 Details Qualifications Required: Qualifications must be met; Balance: Up to $10,000; Qualifications must be met Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Rewards Checking	0.25%	0.25%
Min Balance $10,000 Details Published APY range: 0.25% - 2.50%. Qualifications Required: Qualifications must be met; Balance: Over $10,000; Qualifications must be met Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Saver - PREFERRED Rewards Checking	0.25%	0.25%
Min Balance $0 Details Balance up to $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Saver - PREFERRED Rewards Checking	0.10%	0.10%
Min Balance $10,000 Details Published APY range: 0.10% - 0.15%. Balances over $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Rewards Checking	0.05%	0.05%
Details If Qualifications are NOT Met Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Home Loans (15-Year Fixed)	-	-	6.00%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans	-	-	4.74%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Auto & Motorcycle	5.99%	-	5.99%	73 to 84 Months
Details Payment Example: 84 Payments of $497.05 ($30,000 Loan Amount) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans (RVs)	-	7.34%	61 to 72 Months
Details Payment Example: 72 Payments of $344.25 ($20,000 Loan Amount) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Recreational Vehicle Loans (RVs)	-	7.34%	73 to 84 Months
Details Payment Example: 84 Payments of $305.19 ($20,000 Loan Amount) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Recreational Vehicle Loans (RVs)	-	8.34%	85 to 120 Months
Details Payment Example: 120 Payments of $1181.71 ($75,000 Loan Amount) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Credit Card Rates

Product	Rate	APR
DCU MasterCard Secured	-	7.50%
Details Intro rate expires: N/A; Regular APR: 7.50% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Secured Mastercard	-	7.50%
Details Determined by the amount member designates to be secured from the savings or certificate account; Deposit Required: Yes; Recommended For: Anyone, designed for members with challenged credit history, or for members interested in establishing or rebuilding credit history Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Credit Card	-	9.50%
Details Published APR range: 9.5% - 19.5%. when you open your account, based on your creditworthiness; Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance within 28 days of the closing date of the statement. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
Mastercard	-	9.50%
Details Published APR range: 9.5% to 19.5%. determined by your credit worthiness and subject to approval; Credit Limit: $250 to $20,000 to be determined by your credit worthiness (subject to approval) and total unsecured debt with DCU; Deposit Required: No; Recommended For: Anyone Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.69%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

Destinations Credit Union Other Rates

Product	Rate	Points	APY/APR
High Yield	0.15%	-	0.15%
Min Balance $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
High Yield	0.20%	-	0.20%
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
High Yield	0.20%	-	0.20%
Min Balance $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
IRA Shares	0.15%	-	0.15%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Rewards Checking	-	-	3.25%
Min Balance $10,000 Details Qualifications Required: Log in to eBanking or the DCU Mobile App; Enroll in and maintain eStatements; Direct Deposit totaling $500 or more each month; Conduct a minimum of 15 Debit Card transactions with an aggregate total of $50 or more each month; APY=Annual Percentage Yield. APYs accurate as of 01/02/2026. Rates subject to change. Fees can reduce the earnings on the accounts. All PREFERRED Rewards Checking qualifications must be met in order to qualify for any of the benefits. Preferred Savings account offering a fixed dividend rate of 0.15% APY* (subject to change) on any balance up to $10,000 and 0.10% APY* for amounts above $10,000. Receive unlimited discounts on Domestic Wires. Receive refunds on ATM Service Charge Fees (Up to $20.00 per month). Access your account via eBanking or our mobile app. Use your complimentary Debit Card (Initial Issue) to make purchases and access your funds securely. Receive your first box of checks at no charge. Complimentary Bill Pay Surcharge-free ATMs available. Share Certificate must be established under a membership containing a Preferred Rewards Checking. A penalty for early withdrawal may apply. Deposits must be in the form of an ACH and deposited into a Preferred Rewards Checking account. Transactions must occur and fully settle to the Preferred Rewards Checking account within the qualifying cycle period. The new qualifying cycle, effective November 1st, 2021 runs on a monthly basis; the first day of the month to the last day of each month. ATM transactions do not count toward the qualification. 7 Wires will be discounted up to 50% per incoming or outgoing wire completed to or from a Preferred Checking account. Individuals must qualify for membership based on Destinations Credit Union eligibility. There's never a charge for online banking services. In order for online bill payment to remain free, you must use this service to pay at least 1 bill per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%
PREFERRED Rewards Checking	-	-	0.05%
Details Qualifications Required: If qualifications are not met; APY=Annual Percentage Yield. APYs accurate as of 01/02/2026. Rates subject to change. Fees can reduce the earnings on the accounts. All PREFERRED Rewards Checking qualifications must be met in order to qualify for any of the benefits. Preferred Savings account offering a fixed dividend rate of 0.15% APY* (subject to change) on any balance up to $10,000 and 0.10% APY* for amounts above $10,000. Receive unlimited discounts on Domestic Wires. Receive refunds on ATM Service Charge Fees (Up to $20.00 per month). Access your account via eBanking or our mobile app. Use your complimentary Debit Card (Initial Issue) to make purchases and access your funds securely. Receive your first box of checks at no charge. Complimentary Bill Pay Surcharge-free ATMs available. Share Certificate must be established under a membership containing a Preferred Rewards Checking. A penalty for early withdrawal may apply. Deposits must be in the form of an ACH and deposited into a Preferred Rewards Checking account. Transactions must occur and fully settle to the Preferred Rewards Checking account within the qualifying cycle period. The new qualifying cycle, effective November 1st, 2021 runs on a monthly basis; the first day of the month to the last day of each month. ATM transactions do not count toward the qualification. 7 Wires will be discounted up to 50% per incoming or outgoing wire completed to or from a Preferred Checking account. Individuals must qualify for membership based on Destinations Credit Union eligibility. There's never a charge for online banking services. In order for online bill payment to remain free, you must use this service to pay at least 1 bill per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.94%

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.
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Financial Health History

Destinations Credit Union’s Texas Ratio fell from 1.76% in Q2 2023 to 0.94% 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	$65M	0.94%	5.0	A+
December 31, 2025	$64M	1.07%	5.0	A+
September 30, 2025	$65M	4.01%	5.0	A+
June 30, 2025	$65M	1.09%	5.0	A+
March 31, 2025	$65M	3.01%	5.0	A+
December 31, 2024	$64M	3.94%	5.0	A+
September 30, 2024	$65M	4.58%	5.0	A+
June 30, 2024	$66M	3.34%	5.0	A+
March 31, 2024	$66M	2.54%	5.0	A+
December 31, 2023	$65M	2.09%	5.0	A+
September 30, 2023	$66M	1.75%	5.0	A+
June 30, 2023	$66M	1.76%	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 Destinations 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 Destinations 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 Destinations Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Destinations Credit Union

Website https://www.destinationscu.org

Address 8767 Satyr Hill Rd, Baltimore, MD 21234

Phone 410-663-2500

Fax 410-663-2150

President Elizabeth Kreider

CEO Brian Vittek

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

0.94%

Return on Assets (ROA)

0.0810%

Return on Equity (ROE)

0.5878%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

64,733,595

Total Amount of Shares and Deposits

55,952,130

Total Shares and Deposits < 1 Year

51,875,419

Total Shares and Deposits 1 3 Years

2,843,951

Total Shares and Deposits > 3 Years

1,232,760

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

1,564,997

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

1,564,997

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

54,387,133

Total Interest Expense (Sum of items 6 8)

137,301

Share Certificates

636

Number of Accounts for Share Drafts

3,341

IRA KEOGH Accounts

542

Number of Accounts for Regular Shares

6,265

All other shares

2,264

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

52,463

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)

4,708,524

Total Liabilities

56,151,853

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Destinations Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Destinations Credit Union

How many branches does Destinations Credit Union operate?

Destinations 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 Destinations Credit Union?

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

Does Destinations Credit Union offer online and mobile banking?

Most modern institutions like Destinations 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.destinationscu.org.

Current Destinations Credit Union Rates

12-Month CD3.30%
24-Month CD3.00%
60-Month CD2.85%
Savings0.10%

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

Compare to Other Credit Unions

Destinations Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Destinations Credit Union Texas Ratio

Destinations Credit Union Health Trend

Destinations Credit Union CD Rates

Destinations Credit Union Savings Rates

Destinations Credit Union Checking Rates

Destinations Credit Union Mortgage Rates

Destinations Credit Union Auto Loan Rates

Destinations Credit Union RV, Boat and Powersport Loan Rates

Destinations Credit Union Credit Card Rates

Destinations Credit Union Personal Loan Rates

Destinations Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Destinations Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Destinations Credit Union

How many branches does Destinations Credit Union operate?

Is a member application needed to join Destinations Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Destinations Credit Union offer online and mobile banking?

Current Destinations Credit Union Rates

Compare to Other Credit Unions