Dupaco Community Credit Union

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Loan & Credit Card Rates

Auto Loan Rates03/23/2010
Loan Program	Term	Rate (As Low As)	Cooperative Giveback Rate (As Low As)¹
New Vehicles (2008-10 Models)	24 Months	4.74% APR	4.29% APR
	36 Months	4.74% APR	4.29% APR
	48 Months	4.74% APR	4.29% APR
	60 Months	4.74% APR	4.29% APR
	72 Months	5.34% APR	4.89% APR
	84 Months	7.84% APR	7.39% APR
Used Vehicles (2006-07 Models)	24 Months	4.89% APR	4.44% APR
	36 Months	5.14% APR	4.69% APR
	48 Months	5.29% APR	4.84% APR
	60 Months	5.54% APR	5.09% APR
Used Vehicles (2004-05 Models)	24 Months	5.85% APR	5.40% APR
	36 Months	6.35% APR	5.90% APR
	48 Months	6.60% APR	6.15% APR
Used Vehicles (2001-03 Models)	24 Months	7.85% APR	7.40% APR
	36 Months	8.10% APR	7.65% 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. For Mini-Max Loans, add 1% to the conventional loan rate. 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.

Recreational Vehicle Loan Rates¹1/04/10
Loan Program	Term	Rate (As Low As)	Financed
Runabouts (New)	48 Months	4.50% APR	10% Down
Runabouts (Three Years Old and Newer)	48 Months	4.75% APR	20% Down
Cruisers/Runabouts/Houseboats (New)	60 Months	5.00% APR	10% Down
Cruisers/Runabouts/Houseboats (Three Years Old and Newer)	72 Months	5.00% APR	20% Down
¹Recreational Vehicle Loan Rates: Rates based on member credit qualification and are subject to change without notice. For recreational vehicles older than three years, please contact the credit union for rates and terms.

Motor Home & Camper Loan Rates¹1/04/10
Loan Program	Term	Rate (As Low As)
New	36 Months	4.50% APR
New	48 Months	4.50% APR
New	60 Months	4.50% APR
Used (One-Two Years Old)	48 Months	4.50% APR
Used (One-Two Years Old)	60 Months	4.50% APR
Used (One-Two Years Old)	72 Months	4.50% APR
Used (Three Years Old)	48 Months	5.00% APR
¹Recreational Vehicle Loan Rates: Rates based on member credit qualification and are subject to change without notice. For recreational vehicles older than three years, please contact the credit union for rates and terms.

Credit Card Rates¹04-01-09
Credit Card	Rate
VISA Platinum	9.00%-16.00% APR
¹VISA 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 index. Index to be determined by credit score at time of application. Grace period on purchases. Cash advance fee of 1.50% (minimum $3 - maximum $15).

Home Equity Loan Rates¹03-16-10
Loan Program	Rate
Prime Cut 6-Month Introductory Rate*	3.99% APR*
Prime Cut	5.00% APR (5.00% Floor)
¹Home Equity Rates: * Introductory Annual Percentage Rate (APR) is accurate as of 3/16/10, and may change without notice, is subject to credit qualification, and is valid only on new loans to the credit union. Minimum $10,000 line of credit required on loan-to-value less than 85% with $5,000 initial minimum advance. 3.99% APR expires 180 days after the date of the note, at which time your line of credit APR will convert to the following variable index: Prime Interest Rate as publicized on the last business day of each month in The Wall Street Journal, less .10% with a floor of 5.00% APR. The current fully indexed rate is 5.00% APR. The annual percentage rate may vary after the account is opened. Maximum APR 21%. 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. 1 Home Equity Rates: Rates 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 5.00% (if applicable). The current fully indexed rate is 5.00% 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.