Rates

Members of Dupaco are the owners of the financial cooperative, so they share in the success of the credit union. Here's how it works: In the language of credit unions, your savings account is called a "share account." You will "share" that deposit with other Dupaco owners in the form of loans.

After we loan out your money to other owners, you get a portion of the earnings from interest, proportionate to your deposit. We deduct our operating expenses and put money into our reserves, and then you'll get something back in the form of dividends added to your account. When we have surplus earnings, we return them to you, our owners, in the form of enhanced services.

 

Credit Card Rates

Current as of: 12/3/2016
Credit Card Annual Percentage Rate
VISA Promotional Rate 3.90% APR on purchases and cash advances 11/1 thru 12/31/2016. After 6 months, the rate will be a low 9.25%-16.25% APR1
VISA Introductory Rate 5.99% APR2
VISA (Non-Promotional Rate) 9.25%-16.25% APR3
1VISA Promotional Rate: The 3.90% promotional rate is valid for credit purchases and cash advances made between 11/1/2016 and 12/31/2016. The 3.90% annual percentage rate (APR) expires six months from the date of your first credit purchase or cash advance, at which time the APR will revert back to the APR established at time of account opening, which is a variable rate from 9.25% to 16.25%, based on your creditworthiness. Account must be in good standing to qualify. All VISA APRs will vary with the market based on the Prime Rate. There is a grace period before interest is charged on purchases, and no annual fees or participation fees. 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 US dollars; late payment fee-up to $15; returned payment fee-up to $25.
2VISA Introductory Rate: 5.99% introductory annual percentage rate (APR), for qualified members, for 182 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After the introductory period your APR will be variable rate from 9.25% to 16.25%, based on your creditworthiness. VISA APR will vary with the market based on the Prime Rate. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer 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.
3VISA Non-Introductory Rate: Annual percentage rate (APR) 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. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer 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.

Vehicle, Motorcycle, Boat & RV Loan Rates3

Current as of: 12/3/2016
Loan Program Term Annual Percentage Rate (As Low As)1 Cooperative Giveback Rate (As Low As) 2
2014-17 Model Year 24 Months 2.99% APR 2.54% APR
2014-17 Model Year 36 Months 2.99% APR 2.54% APR
2014-17 Model Year 48 Months 2.99% APR 2.54% APR
2014-17 Model Year 60 Months 2.99% APR 2.54% APR
2014-17 Model Year 72 Months 3.24% APR 2.79% APR
2014-17 Model Year 84 Months 3.99% APR 3.54% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2012-13 Model Year 24 Months 2.99% APR 2.54% APR
2012-13 Model Year 36 Months 2.99% APR 2.54% APR
2012-13 Model Year 48 Months 2.99% APR 2.54% APR
2012-13 Model Year 60 Months 2.99% APR 2.54% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2010-11 Model Year 24 Months 3.85% APR 3.40% APR
2010-11 Model Year 36 Months 3.99% APR 3.54% APR
2010-11 Model Year 48 Months 3.99% APR 3.54% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2007-09 Model Year 24 Months 4.99% APR 4.54% APR
2007-09 Model Year 36 Months 4.99% APR 4.54% APR
1Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice. Mini-Max Loans: Add 1% to conventional rates.
2Cooperative 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.
3Auto loan payment example for illustrative purposes only: If you borrow $10,000 at 2.99% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $179.65. Over the life of the loan you will pay $778.48 interest.

ATV, Snowmobile, Jet Ski Loan Rates1

Current as of: 12/3/2016
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)2
Model Year 2014-16 24 Months 5.74% APR 5.29% APR
Model Year 2014-16 36 Months 5.74% APR 5.29% APR
Model Year 2014-16 48 Months 5.74% APR 5.29% APR
Model Year 2014-16 60 Months 5.74% APR 5.29% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2012-13 24 Months 5.89% APR 5.44% APR
Model Year 2012-13 36 Months 6.14% APR 5.69% APR
Model Year 2012-13 48 Months 6.29% APR 5.84% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2010-11 24 Months 6.85% APR 6.40% APR
Model Year 2010-11 36 Months 7.35% APR 6.90% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2009 and older 36 Months 9.60% APR 9.15% APR
1ATV payment example for illustrative purposes only: If you borrow $7,500 at 5.74% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $144.10. Over the life of the loan you will pay $1,145.32 interest.
2Cooperative 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.

Home Equity Loan Rates

Current as of: 12/3/2016
Loan Program Annual Percentage Rate
Home Equity Prime Cut Rate 4.00% APR (4.00% Floor)1
1Home Equity Rate: Rate based on qualification. Minimum $10,000 line of credit required on loan-to-value less than 75% with $5,000 initial minimum advance. The annual percentage rate (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 4.00% (if applicable). The current fully indexed rate is 4.00% 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.

Dupaco offers many options for financing your home. Visit our mortgage pages for rates and details.