--- title: "Duke University Credit Union Rates (Nov 2026): CDs to 4.34%" description: "Duke University Credit Union rates today: savings & CDs up to 4.34% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Duke University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/duke-university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Duke University Credit Union Rates (Nov 2026): CDs to 4.34% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mobile Home With Land - New With Land - Used Without Land - New Without Land - Used** other | — APR | 6.650% | — | Standard | | **Undeveloped Bare Land** other | — APR | 8.150% | — | Standard | Duke University Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Autos/Trucks New/Used 8 Years Old or Newer** auto_any | — APR | 4.500% | any | Standard | | **Boats Defined as 2nd Home** boat | — APR | 6.650% | — | Standard | | **Boats New Used** boat_any | — APR | 7.150% | any | Standard | Duke University Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **FIXED Rate Second Mortgage (15-year maximum term)** heloc_fixed | — APR | 6.650% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Duke University Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.500% | — | Standard | | **Line of Credit/Overdraft Protection** ploc_variable | — APR | 9.500% | — | Standard | Duke University Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured VISA® Credit Card** credit_card_secured | — APR | 8.500% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 9.900% | — | Standard | | **Classic VISA® Credit Card** credit_card | — APR | 10.900% | — | Standard | Duke University Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Club Accounts²** savings | — APY | 0.25% | — | Specialty offer | | **Money Market** money_market | — APY | 1.00% | — | Standard | | **IRA Certificate² 6-12 month term** ira_cd_12mo | 4.08% APY | 4.00% | 12 mo | Standard | | **Certificate¹ 6-12 month term** share_certificate_12mo | 4.08% APY | 4.00% | 12 mo | Standard | | **Certificate¹ 25-36 month term** share_certificate_36mo | 4.34% APY | 4.25% | 36 mo | Standard | | **IRA Certificate² 13-24 month term** ira_cd_24mo | 4.34% APY | 4.25% | 24 mo | Standard | | **IRA Certificate² 25-36 month term** ira_cd_36mo | 4.34% APY | 4.25% | 36 mo | Standard | | **Certificate¹ 13-24 month term** share_certificate_24mo | 4.34% APY | 4.25% | 24 mo | Standard | Duke University Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.34% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/duke-university) , verified from [Duke University Credit Union's official website](https://www.dukefcu.org/) Loading branch locator… ## About Duke University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15.6K Assets $204.8M Founded 1968 Locations reported 2 NCUA charter 18616 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 - First-time homebuyer program - Student scholarships - Payday Alternative Loans I 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. [**State Employees'** DURHAM - GUESS ROAD · DURHAM · NC · 27705 About 3.9 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Navy Federal Credit Union** Durham NC · Durham · NC · 27707 About 4.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Latino Community** Durham North · Durham · NC · 27704 About 4.7 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Vision Financial** Main office · Durham · NC · 27704 About 4.8 miles away](https://rateapi.dev/credit-unions/north-carolina/vision-financial) [**Self-Help** Durham · Durham · NC · 27701-3215 About 4.9 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Civic** Durham · Durham · NC · 27701 About 4.9 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) 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 Duke University Credit Union Membership eligibility from Duke University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Duke University Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Duke University Health System - Association Duke affiliated organizations Verified from [Duke University Credit Union's membership page](https://www.dukefcu.org/connect/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Duke University Credit Union Employers 4 · Associations · Schools 2 · Family 2 9 published paths to membership, last verified August 21, 2026, quoted from Duke University 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 August 21, 2026 - Employee of Duke University “Employees of Duke University and Duke University Health System who are paid by Duke University and paid in North Carolina” > [source ↗](https://www.dukefcu.org/connect/about-us) - Employee of Duke University - Employee of Duke University Health System “Employees of Duke University and Duke University Health System who are paid by Duke University and paid in North Carolina” > [source ↗](https://www.dukefcu.org/connect/about-us) - Employee of Duke University Health System - Retired employee of Duke University “Retirees of Duke University and Duke University Health System” > [source ↗](https://www.dukefcu.org/connect/about-us) - Retiree of Duke University - Retired employee of Duke University Health System “Retirees of Duke University and Duke University Health System” > [source ↗](https://www.dukefcu.org/connect/about-us) - Retiree of Duke University Health System ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Duke affiliated organizations “Duke affiliated organizations (i.e., Duke Soccer, Duke Swimming, etc.)” > [source ↗](https://www.dukefcu.org/connect/about-us) - Member of Duke affiliated organizations ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Duke University “Students and Alumni of Duke University” > [source ↗](https://www.dukefcu.org/connect/about-us) - Student at Duke University - Alumni of Duke University “Students and Alumni of Duke University” > [source ↗](https://www.dukefcu.org/connect/about-us) - Alumnus of Duke University ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, children, sibling, brother-in-law, sister-in-law, son-in-law, daughter-in-law, parent, parents-in-law, aunt, uncle, grandparent, grandchildren, great-grandparents, stepparents, stepchildren, stepsiblings “Immediate Family Members of any of the above: Immediate family is defined as spouse (regardless of sexual orientation), children, sibling, brother-in-law, sister-in-law, son-in-law, daughter-in-law, parent, parents-in-law, aunt, uncle, grandparent, grandchildren or great-grandparents as well as…” > [source ↗](https://www.dukefcu.org/connect/about-us) - Family member (spouse, children, sibling, brother-in-law, sister-in-law, son-in-law, daughter-in-law, parent, parents-in-law, aunt, uncle, grandparent, grandchildren, great-grandparents, stepparents, stepchildren, stepsiblings) of a member - Family of a member spouse “In addition, spouses of persons who died while within the field of membership are eligible.” > [source ↗](https://www.dukefcu.org/connect/about-us) - Family member (spouse) of a member 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 Duke University Credit Union? Yes No ## Work at Duke University 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 Duke University Credit Union ranks against North Carolina peers. - See which AI assistants fetched Duke University Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=duke-university&state=north-carolina&code=NC&name=Duke%20University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Duke University Credit Union offer? Duke University Credit Union currently offers mortgage, vehicle 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 Duke University Credit Union rates updated? RateAPI verifies Duke University 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 Duke University Credit Union's rate data? Rate data is collected directly from Duke University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Duke University Credit Union's best CD rate? As of November 12, 2026, Duke University Credit Union offers savings and certificate (CD) yields up to 4.34% APY. ### Who can join Duke University Credit Union? Duke University Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 4 employers, 1 association and 2 schools for Duke University Credit Union, each quoted from Duke University Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Duke University Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [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://www.dukefcu.org/) ### 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 Duke University Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina 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 Duke University Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /duke-university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Duke University Credit Union locations Search, filter, and browse all 2 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/north-carolina/duke-university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp