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: 8/30/2015
Credit Card Rate
VISA Introductory Rate (Qualified New Accounts) 5.99% APR2
VISA Rate (Non-Introductory Rate) 9.00%-16.00% APR1
1VISA Non-Introductory Rate: 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. There is a grace period before interest is charged 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.
2VISA Introductory Rate: 5.99% Introductory 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 9.00%. This APR will vary with the market based on the Prime Rate. 9.00% to 16.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Vehicle, Motorcycle, Boat & RV Loan Rates3

Current as of: 8/30/2015
Loan Program Term Rate (As Low As)1 Cooperative Giveback Rate (As Low As) 2
2013-15 Model Year 24 Months 2.99% APR 2.54% APR
2013-15 Model Year 36 Months 2.99% APR 2.54% APR
2013-15 Model Year 48 Months 2.99% APR 2.54% APR
2013-15 Model Year 60 Months 2.99% APR 2.54% APR
2013-15 Model Year 72 Months 3.24% APR 2.79% APR
2013-15 Model Year 84 Months 3.99% APR 3.54% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
2011-12 Model Year 24 Months 2.99% APR 2.54% APR
2011-12 Model Year 36 Months 2.99% APR 2.54% APR
2011-12 Model Year 48 Months 2.99% APR 2.54% APR
2011-12 Model Year 60 Months 2.99% APR 2.54% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
2009-10 Model Year 24 Months 4.35% APR 3.90% APR
2009-10 Model Year 36 Months 4.49% APR 4.04% APR
2009-10 Model Year 48 Months 4.49% APR 4.04% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
2006-08 Model Year 24 Months 5.99% APR 5.54% APR
2006-08 Model Year 36 Months 5.99% APR 5.54% APR
1Auto Loan Rates: Loan rates 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% 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 Rates2

Current as of: 8/30/2015
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)1
Model Year 2013-15 24 Months 5.74% APR 5.29% APR
Model Year 2013-15 36 Months 5.74% APR 5.29% APR
Model Year 2013-15 48 Months 5.74% APR 5.29% APR
Model Year 2013-15 60 Months 5.74% APR 5.29% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2011-12 24 Months 5.89% APR 5.44% APR
Model Year 2011-12 36 Months 6.14% APR 5.69% APR
Model Year 2011-12 48 Months 6.29% APR 5.84% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2009-10 24 Months 6.85% APR 6.40% APR
Model Year 2009-10 36 Months 7.35% APR 6.90% APR
Loan Program Term Rate (As Low As) Cooperative Giveback Rate (As Low As)
Model Year 2008 and older 36 Months 9.60% APR 9.15% APR
1Cooperative 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.
2ATV payment example for illustrative purposes only: If you borrow $7,500 at 5.74% 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.

Home Equity Loan Rates

Current as of: 8/30/2015
Loan Program Rate
Introductory Prime Cut Home Equity 2.99% Intro APR (after that the rate will be 4.00-4.49% APR)1
Prime Cut Home Equity 4.00% APR (4.00% Floor)2
1Home Equity Introductory Rate: The 2.99% Introductory Annual Percentage Rate (APR) is for qualified members with a credit score of 675 or above who open a new home equity loan. 2.99% introductory APR expires 180 days after the date the account is opened at which time the APR will increase to the non-discount variable rate ranging from 4.00-4.49% APR, based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at time of account opening. If member does not qualify for the 2.99% introductory APR, then the applicable APR is a variable rate ranging from 8.00% to 10.00%, based on credit score. APR is accurate as of 4/1/2015 and are subject to change. Home equity loans require a minimum $10,000 line of credit and a combined 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. Consult your tax advisor regarding the deductibility of interest. Property insurance required.
2Home 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.