Dupaco Community Credit Union

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Loan & Credit Card Rates

Auto, Motorcycle, Boat, RV Loan Rates01/01/2013
Loan Program	Term	Rate (As Low As)¹	Cooperative Giveback Rate (As Low As)²
New/Used Vehicles (2011-13 Models)	24 Months	2.99% APR	2.54% APR
	36 Months	2.99% APR	2.54% APR
	48 Months	2.99% APR	2.54% APR
	60 Months	2.99% APR	2.54% APR
	72 Months	3.24% APR	2.79% APR
	84 Months	3.99% APR	3.54% APR
Used Vehicles (2009-10 Models)	24 Months	2.99% APR	2.54% APR
	36 Months	2.99% APR	2.54% APR
	48 Months	2.99% APR	2.54% APR
	60 Months	2.99% APR	2.54% APR
Used Vehicles (2007-08 Models)	24 Months	4.35% APR	3.90% APR
	36 Months	4.49% APR	4.04% APR
	48 Months	4.49% APR	4.04% APR
Used Vehicles (2004-06 Models)	24 Months	5.99% APR	5.54% APR
	36 Months	5.99% APR	5.54% APR
¹Auto Loan Rates: Loan rates based on member credit qualification, total loan amount, and Cooperative Loan Giveback pricing. Rates are subject to change without notice. Mini-Max Loans: Add 1% to conventional rates. ²Auto Cooperative Loan Discount Rates:To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union: Savings, Checking, Automatic Payment: .15% discount; Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .30% discount; Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .45% discount.

ATV, Snowmobile, Jet Ski Loan Rates01/01/2013
Loan Program	Term	Rate (As Low As)¹	Cooperative Giveback Rate (As Low As)²
Model Year 2011-13	24 Months	5.74% APR	5.29% APR
Model Year 2011-13	36 Months	5.74% APR	5.29% APR
Model Year 2011-13	48 Months	5.74% APR	5.29% APR
Model Year 2011-13	60 Months	5.74% APR	5.29% APR
Model Year 2007-10	24 Months	5.89% APR	5.44% APR
Model Year 2007-10	36 Months	6.14% APR	5.69% APR
Model Year 2007-10	48 Months	6.29% APR	5.84% APR
Model Year 2005-06	24 Months	6.85% APR	6.40% APR
Model Year 2005-06	36 Months	7.35% APR	6.90% APR
Model Year 2004 and older	36 Months	9.60% APR	9.15% APR
¹ATV/Snowmobile/Jet Ski Loan Rates: Loan rates based on member credit qualification, total loan amount, and Cooperative Loan Giveback pricing. Rates are subject to change without notice. ²ATV/Snowmobile/Jet Ski Cooperative Loan Discount Rates:To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union: Savings, Checking, Automatic Payment: .15% discount; Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .30% discount; Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .45% discount.

Share Secured Loans09-14-2012
Term	Rate¹
6 Month	2.40% APR
12 Month	2.75% APR
18 Month	2.90% APR
24 Month	3.00% APR
30 Month	3.20% APR
36 Month	3.30% APR
¹Share Secured Loan Rates: Rates are subject to change without notice. Loan requests must be 100% secured by Dupaco share savings or certificate account.

Credit Card Rates09-28-2012
Credit Card	Rate
VISA Platinum 6-Month Introductory Rate	5.99% Introductory APR¹
VISA Platinum	9.00%-16.00% APR²
¹VISA Introductory Annual Percentage Rate (APR): Subject to credit qualification. Introductory Annual Percentage Rate (APR) is accurate as of 10/1/12, and is valid on new Dupaco VISA^� accounts. The 9.00% variable APR is based on qualifying for 5.99% introductory APR; credit score must be 675 or above. The annual percentage rate may vary after the account is opened. 5.99% introductory APR expires 182 days after the date the account is opened, at which time your APR will convert to the Prime Interest Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. The fully indexed rate as of 10/1/12 is 9.00%. If consumer does not qualify for the introductory APR, then the applicable APR is a variable rate from 12.00% to 16.00%, based on creditworthiness, and may vary after the account is opened. There is a grace period on purchases. There is no annual fee. Other fees include: Cash advance fee�$3 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee�1.00% of each transaction in U.S. dollars; late payment fee�up to $15; returned payment fee�up to $25. ²VISA Platinum: Rates subject to change and may vary during the term of credit. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. Margin to be determined by credit score at time of application. Grace period on purchases. There is no annual fee. Other fees include: Cash advance fee�$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee�1.00% of each transaction in US Dollars; late payment fee�up to $15.00; returned payment fee�up to $25.00.

Home Equity Loan Rates03/01/2013
Loan Program	Rate
Prime Cut Home Equity 6-Month Introductory Rate	2.99% Introductory APR (will revert to 4.49% following introductory period)¹
Prime Cut Home Equity	4.49% APR (4.49% Floor)²
¹Home Equity Introductory Rate: Subject to credit qualification. Introductory Annual Percentage Rate (APR) is accurate as of 3/1/13, may vary after the account is opened, and is valid on new loans to Dupaco. Minimum $10,000 line of credit required on loan-to-value less than 85%. Closing costs paid by the credit union to a maximum of $350. There are no application, annual, maintenance, or transaction fees associated with this account; however, there may be an early termination charge applied if line is closed within 30 months of opening. Property insurance required. The 4.49% variable APR is based on qualifying for the 2.99% introductory APR; credit score must be 675 or above. 2.99% introductory APR expires 180 days after the date the account is opened, at which time your APR will convert to the Prime Interest Rate as published in The Wall Street Journal on the last business day of each calendar month, with a floor of 4.49% APR and a maximum of 21.00%. Offer expires 8/1/13. ²Home Equity Rate: Rate based on qualification. Minimum $10,000 line of credit required on loan-to-value less than 85% with $5,000 initial minimum advance. The APR may vary after the account is opened. Maximum APR 21%. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar month, plus an index with a floor rate of 4.49% (if applicable). The current fully indexed rate is 4.49% Annual Percentage Rate (APR). Closing costs paid by the credit union to a maximum of $350. There are no annual fees; however, there may be an early termination charge applied if line is closed within 30 months of opening. Consult your tax advisor concerning the deductibility of interest. Property insurance required.

Mini-Mortgage Loan Rates08-14-12
Term	Rate (as low as)¹
10 years or less	3.25% APR
¹Mini-Mortgage Rates: Loans subject to approval. 3.25% rate based on .50 rate discount for loan-to-value less than 45% and .45 rate discount for Cooperative Loan Giveback with the following Dupaco account relationships: Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan. Rates are subject to change without notice. Mini-Mortgage Payment Example: On a $40,000 balance, with an annual percentage rate of 3.25% and term of 7 years, an individual's monthly payment would equal $533.01. (For illustrative purposes only.)