--- title: "Daviess County Teachers Credit Union Rates - Kentucky" description: "Current mortgage, auto loan, heloc, personal loan, credit card, and savings & cd rates from Daviess County Teachers Credit Union in Kentucky. Updated daily with source verification. See who can join Daviess County Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/daviess-county-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Daviess County Teachers Credit Union Rates - Kentucky ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage** other | — APR | 6.500% | — | Standard | | **First Mortgage Refinance & Purchase** other | — APR | 6.500% | — | Standard | Daviess County Teachers Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.500% | — | Standard | Daviess County Teachers Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed 2nd Lien Home Equity** heloc_fixed | — APR | 7.000% | — | Standard | Daviess County Teachers Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share & Certificate Pledged Loan** personal | — APR | 1.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.900% | — | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 11.000% | 36 mo | Standard | Daviess County Teachers Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.900% | — | Standard | Daviess County Teachers Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Ultimate ($25,000 - 49,999 balance) (variable rate)** savings | — APY | 0.10% | — | Standard | | **Ultimate ($50,000 - 74,999 balance) (variable rate)** savings | — APY | 0.15% | — | Standard | | **Ultimate ($75,000 - & up balance) (variable rate)** savings | — APY | 0.20% | — | Standard | | **Christmas Club Accounts / Special Savings** savings | — APY | 0.30% | — | Specialty offer | | **Coverdell Education Savings (formerly Education IRA) (variable rate)** ira | — APY | 1.00% | — | Context only | | **Certificate** cd | — APY | 5.00% | — | Standard | Daviess County Teachers Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Rates and Fees (48 months, 60 months, 72 months, 84 months (for 24- 26))** other | — % | 4.500% | — | Standard | | **Rates and Fees (48 months, 60 months, 72 months)** other | — % | 5.250% | — | Standard | | **Rates and Fees (60 months, 66 months)** other | — % | 5.500% | — | Standard | | **Rates and Fees (48 months, 60 months)** other | — % | 5.750% | — | Standard | | **Rates and Fees (36 months, 48 months)** other | — % | 6.500% | — | Standard | | **Miscellaneous** other | — % | 8.400% | — | Standard | Daviess County Teachers Credit Union other rates as of November 12, 2026 Daviess County Teachers Credit Union is a credit union in Kentucky. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/daviess-county-teachers) , verified from [Daviess County Teachers Credit Union's official website](https://dctfcu.com/) Loading branch locator… ## About Daviess County Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.4K Assets $75.4M Founded 1971 Locations reported 5 NCUA charter 20684 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Green River Area** MAIN OFFICE 3000 E 4TH ST · OWENSBORO · KY · 42303-0215 Branch in the same ZIP](https://rateapi.dev/credit-unions/kentucky/green-river-area) [**Liberty** Owensboro East · Owensboro · KY · 42303-7837 Branch in the same ZIP](https://rateapi.dev/credit-unions/indiana/liberty) [**Audubon** Main Office · Owensboro · KY · 42303 About 2.5 miles away](https://rateapi.dev/credit-unions/kentucky/audubon) [**Owensboro** Owensboro Federal Credit Union · Owensboro · KY · 42303-3160 About 2.8 miles away](https://rateapi.dev/credit-unions/kentucky/owensboro) [**Heritage** Owensboro · Owensboro · KY · 42301-6905 About 3.9 miles away](https://rateapi.dev/credit-unions/indiana/heritage) [**Whitesville Community** Whitesville Community Credit Union · Whitesville · KY · 42378 About 11.3 miles away](https://rateapi.dev/credit-unions/kentucky/whitesville-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Daviess County Teachers Credit Union Membership eligibility from Daviess County Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Daviess County Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Daviess County Public Schools, Owensboro Community & Technical College, Heritage Christian School, Mid-America Jet - Association Owensboro-Daviess County Retired Teachers Association - School Owensboro Community & Technical College Verified from [Daviess County Teachers Credit Union's membership page](https://dctfcu.com/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Daviess County Teachers Credit Union Employers 4 · Schools 3 · Family 2 9 published paths to membership, last verified September 13, 2026, quoted from Daviess County Teachers Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of Daviess County Public Schools “Daviess County Public Schools: All employees or volunteers” > [source ↗](https://dctfcu.com/become-a-member/) - Employee of Daviess County Public Schools - Employee of Mid-America Jet “Mid-America Jet: All employees or volunteers” > [source ↗](https://dctfcu.com/become-a-member/) - Employee of Mid-America Jet - Retired employee of Daviess County Public Schools “persons retired as pensioners or annuitants from the above employment.” > [source ↗](https://dctfcu.com/become-a-member/) - Retiree of Daviess County Public Schools - Retired employee of Mid-America Jet “persons retired as pensioners or annuitants from the above employment.” > [source ↗](https://dctfcu.com/become-a-member/) - Retiree of Mid-America Jet ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Student of Owensboro Community & Technical College “Owensboro Community & Technical College (all campuses): All students, employees, or volunteers” > [source ↗](https://dctfcu.com/become-a-member/) - Student at Owensboro Community & Technical College - School employee of Owensboro Community & Technical College “Owensboro Community & Technical College (all campuses): All students, employees, or volunteers” > [source ↗](https://dctfcu.com/become-a-member/) - Employee of Owensboro Community & Technical College - School employee of Heritage Christian School “Heritage Christian School: All employee or volunteers” > [source ↗](https://dctfcu.com/become-a-member/) - Employee of Heritage Christian School ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member immediate family, household member “All immediate family or household of any existing DCTFCU member” > [source ↗](https://dctfcu.com/become-a-member/) - Family member (immediate family, household member) of a member - Family Of Deceased surviving spouse “All spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://dctfcu.com/become-a-member/) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Daviess County Teachers Credit Union? Yes No ## Work at Daviess County Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Daviess County Teachers Credit Union ranks against Kentucky peers. - See which AI assistants fetched Daviess County Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=daviess-county-teachers&state=kentucky&code=KY&name=Daviess%20County%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Daviess County Teachers Credit Union offer? Daviess County Teachers Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Daviess County Teachers Credit Union rates updated? RateAPI verifies Daviess County Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Daviess County Teachers Credit Union's rate data? Rate data is collected directly from Daviess County Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Daviess County Teachers Credit Union? Daviess County Teachers Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 4 employers and 3 schools for Daviess County Teachers Credit Union, each quoted from Daviess County Teachers Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Daviess County Teachers Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky mortgage rate leaders](https://rateapi.dev/mortgage-rates/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky HELOC rate leaders](https://rateapi.dev/heloc-rates/kentucky) [Kentucky personal loan leaders](https://rateapi.dev/personal-loan-rates/kentucky) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://dctfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Daviess County Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Daviess County Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /daviess-county-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Daviess County Teachers Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/daviess-county-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp