Deposit Rates

At Dupaco, your deposits are federally insured for up to $250,000 per qualifying account by the National Credit Union Administration (NCUA), a U.S. government agency. Individual Retirement Accounts (IRAs) are also covered for up to an additional $250,000 per qualifying account.

On October 3, 2008, the level of coverage provided by the National Credit Union Share Insurance Fund was increased to $250,000 (from $100,000) and has now been made permanent by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Please note that in order to open an account with Dupaco Community Credit Union, you must meet eligibility requirements.

Savings & Checking Rates¹04-01-13
Saving Program	Balance Tier	Dividend	APY	Min. to Open	Min. to Earn
Regular Savings (SAV 100, 110, 120)	$25,000 and above	0.50%	0.50%	$25	$25,000
Regular Savings (SAV 100, 110, 120)	$10,000-$24,999	0.35%	0.35%	$25	$10,000
Regular Savings (SAV 100, 110, 120)	$2,500-$9,999	0.25%	0.25%	$25	$2,500
Regular Savings (SAV 100, 110, 120)	$100-$2,499	0.15%	0.15%	$25	$100
Holiday Club (SAV 130)	n/a	0.50%	0.50%	$1	$1
Escrow (Insurance and Tax)*	n/a	0.25%	0.25%	$1	$1
Health Savings Account (SD 230)	$25,000 and above	0.60%	0.60%	$500	$100,000
Health Savings Account (SD 230)	$10,000-$24,999	0.40%	0.40%	$25	$10,000
Health Savings Account (SD 230)	$2,500-$9,999	0.25%	0.25%	$25	$2,500
1st Rate Checking (SD 210, 250)***	$100,000 and above	0.40%	0.40%	$500	$5,000
1st Rate Checking (SD 210, 250)***	$25,000-$99,999	0.25%	0.25%	$500	$5,000
1st Rate Checking (SD 210, 250)***	$5,000-$24,999	0.10%	0.10%	$500	$5,000

¹Savings & Checking Rates: Annual Percentage Yield (APY) accurate as of 4/1/13. Dividends will be paid 5/31/13. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Dividends are calculated by the daily balance method and are credited and compounded every quarter. Fees may reduce earnings. Rates subject to change without notice. S9 Escrow accounts must be opened and maintained by the credit union for any real estate loan with less than 20% equity. Escrow account dividends are subject to change at any time. Members wishing to open an account for the purpose of managing their own escrow money will be opening a secondary savings account, subject to current tiered savings rates. Real estate loans that are sold to investors may have different escrowing requirements which are disclosed at the time of loan application. *Interest is compounded daily and paid monthly on daily balances of $5,000 or more. Fees may reduce earnings. Rates may vary after the account is opened.

Money Market Rates¹04-01-2013
Money Market Account	Balance Tier	Dividend	APY	Min. to Open	Min. to Earn
Investors Choice (SAV 150)	$100,000 and above	0.70%	0.70%	$10,000	$100,000
Investors Choice (SAV 150)	$25,000-$99,999	0.60%	0.60%	$10,000	$25,000
Investors Choice (SAV 150)	$10,000-$24,999	0.40%	0.40%	$10,000	$10,000
Insured Money Management (SAV 160)	$2,500-$9,999	0.30%	0.30%	$2,500	$2,500
¹Money Market Rates: Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates are predeclared monthly and are subject to change. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Dividends are calculated by the daily balance method and will be credited and compounded monthly. Available to individual and small business member accounts, only. Not available to investment companies and financial institutions. Maximum deposits limits may apply. Fees may reduce earnings. Rates may vary after the account is opened.

High-Yield Savings¹05-01-2013
High-Yield Savings (S11) Balance Tier	Dividend	APY	Min. to Open	Min. to Earn
$200,000 and above	1.20%	1.21%	$50,000	$200,000
$150,000-$199,999	0.95%	0.95%	$50,000	$150,000
$100,000-$149,000	0.80%	0.80%	$50,000	$100,000
$50,000-$99,999	0.60%	0.60%	$50,000	$50,000
$0-$49,999	0.15%	0.15%	$50,000	$1
¹High-Yield Home-Grown Savings: EFFECTIVE APRIL 19, 2010, HIGH YIELD SAVINGS (S11) NO LONGER IS OFFERED AS AN INVESTMENT OPTION AND MAY NOT BE OPENED. Existing High-Yield Savings members may continue to make withdrawals from and deposits to their S11 account and take full advantage of the exceptional yields. However, if the High-Yield savings account is closed, it may not be re-opened after April 19, 2010. *Annual Percentage Yield (APY) accurate as of the last dividend declaration date. $50,000 minimum balance to open and maintain the account. Available for personal and business accounts and requires a minimum of $15,000 in new money to the credit union. Rates may vary after account is opened. Minimum daily balance to earn must be maintained each day to obtain the disclosed APY. Dividends are calculated daily and credited and compounded monthly. Programs, rates, terms, and conditions are subject to change without notice. Fees may reduce earnings on account. Available to individual and small business member accounts, only. Not available to investment companies and financial institutions. Maximum deposits limits may apply. In order to qualify for the High Yield Savings account members must maintain an active checking account with direct deposit (net check) and at least one electronic debit monthly OR have joined the credit union on or before February 1, 2010. If member fails to meet the aforementioned requirements this account will be closed and the funds will be transferred into the Regular/Asset Builder Share Savings account whereby current rates will apply.

IRA Rates¹04-01-2013
IRA Account		Dividend	APY	Min. to Earn
Fixed IRA	60 Months	2.00%	2.01%	$1,000
Fixed IRA	36 Months	1.30%	1.30%	$1,000
Fixed IRA	18 Months	0.90%	0.90%	$1,000
Variable IRA	$15,000 and above	1.75%	1.76%	$15,000
Variable IRA	$5,000-$14,999	1.25%	1.25%	$5,000
Variable IRA	$5-$4,999	0.75%	0.75%	$5
¹Fixed IRA Rates: APY is accurate as of April 24, 2012. Rates subject to change. Fees may reduce earnings. A penalty may be incurred for early withdrawals. Variable IRA Rates: Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates subject to change. Rates may vary after the account is opened. Fees may reduce earnings.

Term Share Certificate Rates¹04-01-2013
Term	Dividend	APY	Min. to Earn
35 Month Special	1.50%	1.51%	$5,000
15 Month Special	1.00%	1.00%	$5,000
60 Month	2.00%	2.01%	$1,000
48 Month	1.60%	1.61%	$1,000
36 Month	1.30%	1.30%	$1,000
30 Month	1.20%	1.20%	$1,000
24 Month	1.00%	1.00%	$1,000
18 Month	0.90%	0.90%	$1,000
12 Month	0.75%	0.75%	$1,000
6 Month	0.40%	0.40%	$1,000
¹Certificate Rates: Annual Percentage Yield (APY) accurate as of April 24, 2012. Rates subject to change and may vary after account opening. Fees may reduce earnings. A penalty may be incurred for early withdrawals.