What are the current interest rates at Duke University Federal Credit Union?

Current rates for Duke University Federal Credit Union include: 12-Month CD: 4.08%, 24-Month CD: 4.34%, Savings: 0.25%, MMA: 2.02%

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Duke University Federal Credit Union

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Duke University Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Duke University 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: October 13, 2026

Duke University Federal Credit Union's top rates as of October 13, 2026 are 4.34% APY on its 13-24 Month IRA CD, 0.25% APY on savings, 2.02% APY on money market accounts, personal loans from 9.50% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Duke University Federal Credit Union CD rates include 13-24 Month CD at 4.34%, 25-36 Month IRA CD at 4.34%, and 25-36 Month CD at 4.34%. MonitorBankRates evaluates the financial stability of Duke University Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.76%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.76%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Duke University Federal Credit Union
Main Office

2200 W Main St Ste L100
Durham, NC 27705-4600

https://www.dukefcu.org

Customer Reviews

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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.

Duke University Federal Credit Union CD Rates

Product	Rate	APY	Term
13-24 Month IRA Certificate	4.25%	4.34%	13-24 Month
Min Deposit $500 Details Penalty for early withdrawal, unless 59 1/2 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08% Oct 13, 20264.34%▲ from 4.08% Sep 25, 20264.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
13-24 Month Share Certificate	4.25%	4.34%	13-24 Month
Min Deposit $500 Details Early withdrawals subject to loss of dividends up to 90 days Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08% Oct 13, 20264.34%▲ from 4.08% Sep 25, 20264.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
25-36 Month IRA Certificate	4.25%	4.34%	25-36 Month
Min Deposit $500 Details Penalty for early withdrawal, unless 59 1/2 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08% Oct 13, 20264.34%▲ from 4.08% Sep 25, 20264.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
25-36 Month Share Certificate	4.25%	4.34%	25-36 Month
Min Deposit $500 Details Early withdrawals subject to loss of dividends up to 90 days Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08% Oct 13, 20264.34%▲ from 4.08% Sep 25, 20264.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6-12 Month IRA Certificate	4.00%	4.08%	6-12 Month
Min Deposit $500 Details Penalty for early withdrawal, unless 59 1/2 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82% Oct 13, 20264.08%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
6-12 Month Share Certificate	4.00%	4.08%	6-12 Month
Min Deposit $500 Details Early withdrawals subject to loss of dividends up to 90 days Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82% Oct 13, 20264.08%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.25%	0.25%
Min Deposit $1 Details Early withdrawals are subject to loss of dividends up to 90 days; $5 fee for each early withdrawal prior to October of each year Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Savings	0.25%	0.25%
Min Deposit $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.00%	2.02%
Min Balance $0 Details Balance: Over $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Money Market	1.00%	1.01%
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
VARIABLE Rate Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Published APR range: 7.00% - 11.25%. Up to 90% LTV; Current Rates as of October 1, 2026; Rates based on approved credit rating Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Autos/Trucks New/Used	-	-	4.50%
Details Published APR range: 4.50% - 15.00%. 4.50% APR is available on auto loans 60 months or less and subject to member qualifications and creditworthiness. Longer terms are available at slightly higher rates. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Autos/Trucks 8 Years Old or Newer	-	-	9.50%
Details Published APR range: 9.50% - 18.00%. Auto loans for vehicles 8 years old or newer. If financing an auto over 8 years old, contact the credit union directly. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats Defined as 2nd Home Loan	-	6.65%
Details Published APR range: 6.65% - 8.65%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Boats - New Loan	-	7.15%
Details Published APR range: 7.15% - 11.75%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Boats - Used Loan	-	8.15%
Details Published APR range: 8.15% - 12.75%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum VISA Credit Card	-	9.90%
Details Rates based on approved credit rating; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Classic VISA Credit Card	-	10.90%
Details Published APR range: 10.90% - 13.90%. Rates based on approved credit rating; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.50%
Details Published APR range: 9.50% - 18.00%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

Duke University Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer Loan	-	-	9.00%	6-18 month
Details Published APR range: 9.00% - 11.00%. Duke University or Duke Health employees only, purchased through the Duke Technology Center; payroll deduction; Up to $3,000 ($600 minimum); 6-18 month term via payroll deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
FIXED Rate Second Mortgage	-	-	6.65%	15-year maximum term
Details Published APR range: 6.65% - 7.65%. Up to 80% LTV; Current Rates as of October 1, 2026; Rates based on approved credit rating Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.65% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
FIXED Rate Second Mortgage	-	-	8.15%	15-year maximum term
Details Published APR range: 8.15% - 9.15%. Over 80% LTV; Current Rates as of October 1, 2026; Rates based on approved credit rating Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mobile Home With Land - New Loan	-	-	6.65%
Details Published APR range: 6.65% - 9.65%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mobile Home With Land - Used Loan	-	-	7.65%
Details Published APR range: 7.65% - 10.65%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mobile Home Without Land - New Loan	-	-	7.15%
Details Published APR range: 7.15% - 11.75%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Mobile Home Without Land - Used Loan	-	-	7.15%
Details Published APR range: 7.15% - 11.75%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Undeveloped Bare Land Loan	-	-	8.15%
Details Published APR range: 8.15% - 8.65%. All rates include .25% discount for automatic payments or payroll deduction. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Rainy Day Share	0.29%	-	0.29%
Min Deposit $1 Details Discontinued; this rate applies to pre-existing Rainy Day Shares only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.29% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%
Second Share	0.25%	-	0.25%
Min Deposit $1 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.76%

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

Duke University Federal Credit Union’s Texas Ratio rose from 3.06% in Q3 2023 to 6.76% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$203M	6.76%	5.0	A
March 31, 2026	$205M	4.70%	5.0	A+
December 31, 2025	$202M	4.70%	5.0	A+
September 30, 2025	$201M	4.91%	5.0	A+
June 30, 2025	$200M	3.42%	5.0	A+
March 31, 2025	$199M	4.37%	5.0	A+
December 31, 2024	$194M	4.57%	5.0	A+
September 30, 2024	$194M	3.76%	5.0	A+
June 30, 2024	$194M	5.83%	5.0	A+
March 31, 2024	$193M	5.73%	5.0	A+
December 31, 2023	$194M	1.99%	5.0	A+
September 30, 2023	$195M	3.06%	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 Duke University 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 Duke University 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 Duke University Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Duke University Federal Credit Union

Website https://www.dukefcu.org

Address 2200 W Main St Ste L100, Durham, NC 27705-4600

Phone 919-684-6704

Fax 919-681-9438

President Denise Motley

CEO Dan Berry

Full-Time Employees 33

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 (97/100)

Texas Ratio

6.76%

Return on Assets (ROA)

0.5323%

Return on Equity (ROE)

4.9838%

Non-Performing Loans Ratio (NPL)

1.71%

Total Assets

203,210,417

Total Amount of Shares and Deposits

180,085,001

Total Shares and Deposits < 1 Year

176,805,691

Total Shares and Deposits 1 3 Years

3,279,310

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

12,211,890

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

12,211,890

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

167,873,111

Total Interest Expense (Sum of items 6 8)

610,772

Share Certificates

879

Number of Accounts for Share Drafts

8,819

IRA KEOGH Accounts

241

Number of Accounts for Regular Shares

18,388

Money Market Shares

833

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

1,081,686

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)

44,109,171

Total Liabilities

181,771,164

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Duke University Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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.

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Frequently Asked Questions About Duke University Federal Credit Union

How many branches does Duke University Federal Credit Union operate?

Duke University 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 Duke University Federal Credit Union?

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

Does Duke University Federal Credit Union offer online and mobile banking?

Most modern institutions like Duke University 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.dukefcu.org.

Current Duke University Federal Credit Union Rates

12-Month CD4.08%
24-Month CD4.34%
Savings0.25%
MMA2.02%

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

Compare to Other Credit Unions

Duke University Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Duke University Federal Credit Union Texas Ratio

Duke University Federal Credit Union Health Trend

Duke University Federal Credit Union CD Rates

Duke University Federal Credit Union Savings Rates

Duke University Federal Credit Union Money Market Rates

Duke University Federal Credit Union Home Equity & HELOC

Duke University Federal Credit Union Auto Loan Rates

Duke University Federal Credit Union RV, Boat and Powersport Loan Rates

Duke University Federal Credit Union Credit Card Rates

Duke University Federal Credit Union Personal Loan Rates

Duke University Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Duke University Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Duke University Federal Credit Union

How many branches does Duke University Federal Credit Union operate?

Is a member application needed to join Duke University Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Duke University Federal Credit Union offer online and mobile banking?

Current Duke University Federal Credit Union Rates

Compare to Other Credit Unions