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Current Rates

Effective date: April 14, 2014. Rates are subject to change without notice.
  • Deposit Specials
    Product Interest Rate APY1 Minimum Balance to Open Minimum Balance to Earn APY
    36 Month Relationship CD 0.75% 0.75% $1,000 $1,000
  • Certificates of Deposit
    Product Interest Rate APY1 Minimum Balance to Open Minimum Balance to Earn APY
    182 Day Fixed Rate 0.20% 0.20% $1,000 $1,000
    12 Month Fixed Rate 0.30% 0.30% $1,000 $1,000
    24 Month Fixed Rate 0.49% 0.50% $1,000 $1,000
    24 Month "Your Choice" 0.50% 0.50% $1,000 $1,000
    30 Month "Your Choice" 0.55% 0.55% $1,000 $1,000
    36 Month Fixed Rate 0.60% 0.60% $1,000 $1,000
    48 Month Fixed Rate 0.70% 0.70% $1,000 $1,000
    For CDs greater than $100,000, please call 740.657.7468 for rates
  • Mortgage Loans4
    Product Rate Discount Points5 APR6 Monthly Payment per $1000
    30 Year Prestige 7 3.99% 0.000% 4.062% $4.77
    20 Year Prestige 7 3.79% 0.000% 3.888% $5.95
    15 Year Prestige 7 3.19% 0.000% 3.310% $7.00
    30 Year Conventional 7 4.500% 0.000% 4.576% $5.07
    15 Year Conventional 7 3.500% 0.000% 3.623% $7.15
    30 Year FHA/VA 7 3.875% 0.000% 5.167% $4.78
    15 Year FHA/VA 7 3.500% 0.000% 4.844% $7.15
  • Checking/Savings
    Product Interest Rate APY2 Minimum Balance To Open
    DCB Plus Checking $1000 + 0.10% 0.10% $25
    DCB Investors MMA $0.01 - $24,999,99 0.15% 0.15% $25
    DCB Investors MMA $25,000 + 0.35% 0.35% $25
    DCB Preferred Savings $0.01 - $4,999.99 0.10% 0.10% $25
    DCB Preferred Savings $5,000.00 + 0.15% 0.15% $25
    DCB Holiday Savings $100.00 - $4,999.99 0.20% 0.20% $25
    DCB Holiday Savings $5,000.00 + 0.25% 0.25% $25
  • Auto Loans3
    Product 48 Mo. APR 60 Mo. APR 72 Mo. APR
    New Autos (2012 - 2013) 2.99% 2.99% 2.99%
    Used Autos (2008 - 2012) 3.79% 3.79% 3.79%
  • Home Equity8
    Product 120 Mo. APR 180 Mo. APR 240 Mo. APR
    Readicredit Line Of Credit - Loan To Value up to 80% 3.25% N/A N/A
    Readicredit Line Of Credit - Loan To Value up to 90% 4.25% N/A N/A
    Home Equity Loan - Loan To Value up to 75% 3.49% 3.79% 4.09%
    Home Equity Loan - Loan To Value 75% - 85% 3.69% 3.99% 4.29%
  1. Annual Percentage Yield (APY) is accurate as of effective date stated above and assumes principal and interest remains on deposit for the term of the certificate. Substantial penalty for early withdrawal. Fees could reduce earning on the account. 
  2. Annual Percentage Yield (APY) is accurate as of effective date stated above. Rates may change after account is opened. Fees may reduce earnings. 
  3. Subject to credit approval by DCB. Additional terms and conditions apply. Standard product rates and rate discounts are subject to change at any time. Actual Annual Percentage Rate (APR) will be determined when you apply and will be based on your application and credit information.
  4. All mortgage loans are subject to credit approval and receipt of a property appraisal demonstrating sufficient value.
  5. The interest rate requires 1% origination fee, plus any additional points, if any, as listed above.
  6. The rates presented are indicative of the current rates for the purchase or refinance of a single-family, primary residence based on a 45-day rate lock period.  These rates are not guaranteed and are subject to change without notice.  This is not a credit decision or a commitment to lend.  Your guaranteed rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, etc.  Rates may also vary based on the region in which the financed property is located. To guarantee a rate, you must submit an application to DCB and receive confirmation from a mortgage loan officer that your rate is locked.  Application can be made by calling 740.657.7200, or by meeting with a mortgage loan officer.   Additional loan products, rates and lock periods are available.
  7. APR calculation assumes a $200,000 loan amount, borrower paid finance charges of .875% of the loan amount, credit score >700 and property is Primary Residence. If the down payment or equity position is less than 20%, mortgage insurance may be needed, which may increase the monthly payment and APR. Payment per thousand does NOT include escrow for taxes, insurance or PMI.  Conventional and FHA/VA loans are powered by Quicken Loans. 
  8. Subject to application and credit approval. Equity loans also subject to acceptable property appraisal and title search. Rates above are available for loan amounts over $10,000 and are subject to meeting certain underwriting criteria, such as owner occupancy and loan-to-value ratio. Your rate may also be different depending on credit history. Annual percentage rates based on $10,000 loan amount, including a $175 processing fee. Other rates, terms, payments and loan amounts are available.