Earn more on your deposits. Pay less on your loans. Dupaco offers some of the best deposit account and loan rates in the market.
Deposit Rates
Savings Accounts
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| Share Savings | $25,000+ | 0.30% | 0.30% | $25 | $25,000 |
| Share Savings | $10,000 - $24,999.99 | 0.25% | 0.25% | $25 | $10,000 |
| Share Savings | $2,500 - $9,999.99 | 0.20% | 0.20% | $25 | $2,500 |
| Share Savings | $100 - $2,499.99 | 0.15% | 0.15% | $25 | $100 |
| Share Savings | less than $100 | n/a | n/a | $25 | n/a |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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You Name It Savings
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| You Name It Savings | $25,000+ | 0.30% | 0.30% | $25 | $25,000 |
| You Name It Savings | $10,000 - $24,999.99 | 0.25% | 0.25% | $25 | $10,000 |
| You Name It Savings | $2,500 - $9,999.99 | 0.20% | 0.20% | $25 | $2,500 |
| You Name It Savings | $100 - $2,499.99 | 0.15% | 0.15% | $25 | $100 |
| You Name It Savings | less than $100 | n/a | n/a | $25 | n/a |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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Holiday Club Savings
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| Holiday Club Savings | n/a | 0.30% | 0.30% | $25 | $100 |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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Launchpad Savings Account
| Account Type | Dividend Rate | Annual Percentage Yield (APY)1 | Min. Balance | Max. Balance |
|---|---|---|---|---|
| Launchpad Savings | 0.30% | 0.30% | $5 | $1,000 |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Launchpad Savings Rate: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Limitations: If there is no deposit to this account in any 90-day period, account will be closed and the funds will be deposited, less the $5, into member's share savings. Once the balance reaches $1,000 you have 90 days to move the funds into a Dupaco Financial Services IRA. If the funds are not moved into one of these accounts within 90 days of reaching the $1,000 balance, the account will be closed and the funds will be deposited, less the $5 fee, into member's share savings. A $5 penalty applies for each withdrawal from this account. The penalty is waived if the funds are transferred to an IRA. This is not a retirement account and there are no tax benefits on this account. |
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Investor’s Choice
| Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $100,000+ | 0.65% | 0.65% | $2,500 | $100,000 |
| $25,000 - $99,999.99 | 0.55% | 0.55% | $2,500 | $25,000 |
| $10,000 - $24,999.99 | 0.50% | 0.50% | $2,500 | $10,000 |
| $2,500 - $9,999.99 | 0.45% | 0.45% | $2,500 | $2,500 |
| up to $2,499.99 | 0.40% | 0.40% | $2,500 | $0.01 |
| Rates are effective as of 03/01/2023 and are subject to change without notice. 1Money Market Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Available to individual and small business member accounts only. Not available to investment companies and financial institutions. Maximum deposit limits may apply. |
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High-Yield Savings
| Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $1,000,000+ | 2.33% | 2.36% | $50,000 | $1,000,000+ |
| $500,000 - $999,999.99 | 2.13% | 2.15% | $50,000 | $500,000 |
| $250,000 - $499,999.99 | 1.93% | 1.95% | $50,000 | $250,000 |
| $100,000 - $249,999.99 | 1.74% | 1.75% | $50,000 | $100,000 |
| $50,000 - $99,999.99 | 1.49% | 1.50% | $50,000 | $50,000 |
| up to $49,999.99 | 1.14% | 1.15% | $50,000 | $0.01 |
| Rates are effective as of 02/01/2023 and are subject to change without notice. 1High-Yield Savings: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. $50,000 minimum balance to open and maintain the account. 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 individuals, trusts, estates and small businesses. Not available to investment companies and financial institutions. Maximum deposits limits may apply. |
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Special
| Term | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn |
|---|---|---|---|
| 11 Month Fixed Jumbo Certificate Special | 4.45% | 4.50%1 | $100,000 |
| 11 Month Fixed Certificate Special | 4.35% | 4.40%2 | $1,000 |
| 25 Month Fixed Jumbo Certificate Special | 4.25% | 4.30%1 | $100,000 |
| 25 Month Fixed Certificate Special | 4.16% | 4.20%2 | $1,000 |
| 39 Month Fixed Jumbo Certificate Special | 3.67% | 3.70%1 | $100,000 |
| 39 Month Fixed Certificate Special | 3.57% | 3.60%2 | $1,000 |
| Rates are effective as of 5/11/2023 and are subject to change without notice. 1Fixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. 2Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. |
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Regular
| Term | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Earn |
|---|---|---|---|
| 60 Month | 1.15% | 1.15% | $1,000 |
| 48 Month | 0.95% | 0.95% | $1,000 |
| 36 Month | 0.90% | 0.90% | $1,000 |
| 30 Month | 0.85% | 0.85% | $1,000 |
| 24 Month | 0.80% | 0.80% | $1,000 |
| 18 Month | 0.70% | 0.70% | $1,000 |
| 12 Month | 0.60% | 0.60% | $1,000 |
| 6 Month | 0.50% | 0.50% | $1,000 |
| Rates are effective as of 08/22/2022 and are subject to change without notice. 1Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal. |
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Special IRAs
| Roth: 11 Month Fixed Jumbo Special | 4.45% | 4.50%1 | $100,000 |
|---|---|---|---|
| Traditional: 11 Month Fixed Jumbo Special | 4.45% | 4.50%1 | $100,000 |
| Roth: 11 Month Fixed Special | 4.35% | 4.40%2 | $1,000 |
| Traditional: 11 Month Fixed Special | 4.35% | 4.40%2 | $1,000 |
| Roth: 25 Month Fixed Jumbo Special | 4.25% | 4.30%1 | $100,000 |
| Traditional: 25 Month Fixed Jumbo Special | 4.25% | 4.30%1 | $100,000 |
| Roth: 25 Month Fixed Special | 4.16% | 4.20%2 | $1,000 |
| Traditional: 25 Month Fixed Special | 4.16% | 4.20%2 | $1,000 |
| Roth: 39 Month Fixed Jumbo Special | 3.67% | 3.70%1 | $100,000 |
| Traditional: 39 Month Fixed Jumbo Special | 3.67% | 3.70%1 | $100,000 |
| Roth: 39 Month Fixed Special | 3.57% | 3.60%2 | $1,000 |
| Traditional: 39 Month Fixed Special | 3.57% | 3.60%2 | $1,000 |
| Rates are effective as of 5/11/2023 and are subject to change without notice. 1Fixed Jumbo Special Rate: Minimum amount required to open any Fixed IRA Jumbo Special certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings. 2Fixed Special Rate: Minimum amount required to open any Fixed IRA special certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings. |
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Regular IRAs
| Term | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn |
|---|---|---|---|
| Traditional: 60 Months | 1.15% | 1.153 | $1,000 |
| Roth: 60 Months | 1.15% | 1.153 | $1,000 |
| Traditional: 36 Months | 0.90% | 0.90%3 | $1,000 |
| Roth: 36 Months | 0.90% | 0.90%3 | $1,000 |
| Traditional: 18 Months | 0.70% | 0.70%3 | $1,000 |
| Roth: 18 Months | 0.70% | 0.70%3 | $1,000 |
| Rates are effective as of 12/08/2022 and are subject to change without notice. 3Fixed IRA Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. A penalty may be incurred for early withdrawals. Fees may reduce earnings. |
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Variable IRAs
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Earn |
|---|---|---|---|
| Traditional: $15,000+ | 0.70% | 0.70% | $15,000 |
| Roth: $15,000+ | 0.70% | 0.70% | $15,000 |
| Traditional: $5,000-$14,999.99 | 0.60% | 0.60% | $5,000 |
| Roth: $5,000-$14,999.99 | 0.60% | 0.60% | $5,000 |
| Traditional: $1,000-$4,999.99 | 0.50% | 0.50% | $1,000 |
| Roth: $1,000-$4,999.99 | 0.50% | 0.50% | $1,000 |
| Rates are effective as of 01/01/2023 and are subject to change without notice. 1Variable IRA Rates: Dividends and annual percentage yields accurate as of the last dividend declaration date. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal. |
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Health Savings Accounts
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $25,000+ | 0.40% | 0.40% | $25 | $25,000 |
| $10,000 - $24,999.99 | 0.35% | 0.35% | $25 | $10,000 |
| $2,500 - $9,999.99 | 0.30% | 0.30% | $25 | $2,500 |
| up to $2,499.99 | 0.25% | 0.25% | $25 | $0.01 |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Health Savings Account Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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Free Checking
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| N/A | N/A | N/A | None | N/A |
| 1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. | ||||
1st Rate Checking
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $100,000+ | 0.15% | 0.15% | None | $100,000 |
| $25,000 - $99,999.99 | 0.15% | 0.15% | None | $25,000 |
| $5,000 - $24,999.99 | 0.10% | 0.10% | None | $5,000 |
| Less than $5,000 | N/A | N/A | None | N/A |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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Loan Rates
Auto & Motorcycle Loans
| Loan Program | Term | Annual Percentage Rate (As Low As) 1 |
|---|---|---|
| 2021-23 Model Year | 48 Months | 6.09% APR |
| 2021-23 Model Year | 60 Months | 6.14% APR |
| 2021-23 Model Year | 66 Months | 6.19% APR |
| 2021-23 Model Year | 72 Months | 6.29% APR |
| 2021-23 Model Year | 78 Months | 6.39% APR |
| 2021-23 Model Year | 84 Months | 6.49% APR |
| 2019-20 Model Year | 48 Months | 6.44% APR |
| 2019-20 Model Year | 60 Months | 6.49% APR |
| 2019-20 Model Year | 66 Months | 6.54% APR |
| 2019-20 Model Year | 72 Months | 6.64% APR |
| 2017-18 Model Year | 48 Months | 7.14% APR |
| 2017-18 Model Year | 60 Months | 7.19% APR |
| 2017-18 Model Year | 72 Months | 7.34% APR |
| 2014-16 Model Year | 36 Months | 7.24% APR |
| 2014-16 Model Year | 48 Months | 7.29% APR |
| 2014-16 Model Year | 60 Months | 7.34% APR |
| 2013 Model Year (and older) | 36 Months | 9.74% APR |
| 2013 Model Year (and older) | 48 Months | 9.84% APR |
| Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 6.14% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $582.02. Over the life of the loan, you will pay $4,920.62 in interest. 1 Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates. Rates effective 5/19/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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Platinum Visa
| tyggg | Annual Percentage Rate (APR) |
|---|---|
| Platinum Visa Rate | 13.75% - 20.75% APR1 |
| Introductory Balance Transfer Rate | 2.90% APR for 6 mos. (after that your rate will be 13.75% - 20.75% APR)2 |
| 1 Platinum Visa 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 the 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. 2 Platinum Visa Introductory Rate: For new cardholders, the 2.90% annual percentage rate (APR) balance transfer introductory rate is valid for new cardholders' balance transfer and balance consolidations that post to your Dupaco Visa during the first 90 days following the opening of Dupaco Platinum Visa. The 2.90% introductory annual percentage rate (APR) expires six months from the date of your first balance transfer or balance consolidation, at which time the APR will revert back to the current standard APR, which effective 4/1/2023 is a variable rate of 13.75% - 20.75%, based on your creditworthiness. All Visa APRs will vary with the market based on the Prime Rate. There is a grace period 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-$15 or the minimum due, whichever is less if your are four (4) or more days late; returned payment fee-up to $25. Offer valid only on Dupaco Platinum Visa. |
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Rewards Visa
| Rewards Credit Card | Annual Percentage Rate (APR) |
|---|---|
| Rewards Visa | 16.75% - 21.00% APR |
| Visa Rewards 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. Rewards Visa Terms and Conditions | |
| Term | Rate | Points | APR |
|---|---|---|---|
| Purchase: 30-Year Fixed Conventional ^$726200 | 6.000%1 | 0.00% | 6.147% |
| Purchase: 30-Year Fixed Conventional ^$250000 | 6.000% | 0.00% | 6.147% |
| Purchase: 30-Year Fixed Conventional ^$150000 | 6.000% | 0.00% | 6.147% |
| Purchase: 20-Year Fixed Conventional | 5.750% | 0.00% | 5.943% |
| Purchase: 15-Year Fixed Conventional | 5.500% | 0.00% | 5.681% |
| Purchase: 10/1 ARM (30-Year Amortization) | 6.125%2 | 0.00% | 7.149% |
| Purchase: 5/1 ARM (30-Year Amortization) | 5.875% | 0.00% | 7.501% |
| Purchase: 10/1 Jumbo* ARM (30-Year Amortization) | 6.375%3 | 0.00% | 7.194% |
| Purchase: 5/1 Jumbo* ARM (30-Year Amortization) | 6.125% | 0.00% | 7.485% |
| Rates are effective as of 06/02/2023. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change. ^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 740 and 75% loan to value (ltv). 1Conventional Purchase payment example for illustrative purposes only: If you borrow $100,000 at 6.021% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $591.61. Over the life of the loan, you will pay $112967.71 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums. 210/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.000% with an APR of 6.644%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $899.33. Year 11 at 8.000% interest rate with a payment of $1050. Year 12 at 10.000% interest rate with a payment of $1206. Year 13-20 at 12.000% interest rate with payment of $1365. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example. 310/1 Jumbo ARM payment example for illustrative purposes only: On a $750,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.500% with an APR of 6.914%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $4740.51. Year 11 at 8.500% interest rate with a payment of $5518. Year 12 at 10.500% interest rate with a payment of $6320. Year 13-20 at 12.500% interest rate with payment of $7139. *A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $726,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.3 |
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| Term | Rate | Points | APR |
|---|---|---|---|
| Refinance: 30-Year Fixed Conventional ^ $726200 | 6.000%1 | 0.00% | 6.147% |
| Refinance: 30-Year Fixed Conventional ^$250000 | 6.000% | 0.00% | 6.147% |
| Refinance: 30-Year Fixed Conventional ^$150000 | 6.000% | 0.00% | 6.147% |
| Refinance: 20-Year Fixed Conventional | 5.750% | 0.00% | 5.943% |
| Refinance: 15-Year Fixed Conventional | 5.500% | 0.00% | 5.681% |
| Refinance: 10/1 ARM (30-Year Amortization) | 6.125%4 | 0.00% | 7.149% |
| Refinance: 5/1 ARM (30-Year Amortization) | 5.875% | 0.00% | 7.501% |
| Refinance: 10/1 Jumbo* ARM (30-Year Amortization) | 6.375%5 | 0.00% | 7.194% |
| Refinance: 5/1 Jumbo* ARM (30-Year Amortization) | 6.125% | 0.00% | 7.485% |
| Rates are effective as of 06/02/2023. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change. ^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 740 and 75% loan to value (ltv). 1Conventional Refinance payment example for illustrative purposes only: If you borrow $100,000 at 6.388% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $616.49. Over the life of the loan, you will pay $121,810.26 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums. 2Mini-Mortgage Refinance payment examples for illustrative purposes only: If you borrow $50,000 at 6.25% annual percentage rate (APR) with a 15-year term, your minimum monthly payment obligation would be $428.81. Over the life of the loan, you will pay $27,183.91 in interest. If you borrow $50,000 at 6.125% annual percentage rate (APR) with a 10-year term, your minimum monthly payment obligation would be $558.32. Over the life of the loan, you will pay $16,998.40 in interest. 3Mini-Mortgage Rates: Subject to credit qualification. Up to 80% maximum loan to value based on an appraisal. Member is responsible for closing costs, which could be less than $400. Repayment terms of 15-years or less available. The Annual Percentage Rate (APR) varies 410/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.000% with an APR of 6.356%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $899.33. Year 11 at 8.000% interest rate with a payment of $1050. Year 12 at 10.000% interest rate with a payment of $1206. Year 13-20 at 12.000% interest rate with payment of $1365. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example. 510/1 Jumbo ARM payment example for illustrative purposes only: On a $750,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.500% with an APR of 6.914%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.500% interest rate with a payment of $4740.51. Year 11 at 8.500% interest rate with a payment of $5518. Year 12 at 10.500% interest rate with a payment of $6320. Year 13-20 at 12.500% interest rate with payment of $7139. *A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $726,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example. |
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Home Equity Line of Credit
| Loan Program | Annual Percentage Rate (As Low As)2 |
|---|---|
| Home Equity Line of Credit (HELOC) | 7.75% APR3 |
| HELOC Intro Rate3 | 3.99% intro APR for the first 6 months, after that a variable rate as low as 7.75% APR will apply.4 |
| 1Subject to underwriting, creditworthiness, and meeting credit criteria. 2Loan annual percentage rates (APR) is based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at the time of the account opening. 3Home Equity Line of Credit (HELOC): Minimum $5,000 line of credit required on loan-to-value less than 85%. Qualification for the 7.75% APR requires a 720 credit score or higher, and maximum combined loan-to-value of 75% or less. The annual percentage rate (APR) may vary after the account is opened. Maximum APR 21.00%. The rate will be the Prime Rate as published in the Wall Street Journal on the last business day of each month, plus or minus a margin, with a floor rate as low as 4.00% APR. Closing costs may range from $175-$800, of which, Dupaco to pay up to a maximum of $350. There are no application, annual, maintenance or transaction fees associated with this account, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. Property insurance required. 4HELOC Intro Rate: Intro rate available only for qualifying borrowers with a 675 credit score or higher, up to a max of 85% LTV, who open up a new Home Equity Line of Credit. The 3.99% introductory APR expires 6 months after the date the account is opened, at which time the APR will increase to the non-discount variable rate as low as 7.75% and 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 introductory rate then the applicable APR is a variable rate ranging from 9.25% to 12.25% APR based on credit score and combined loan-to-value. Rates and introductory APR are accurate as of 6/1/2023 and subject to change. The maximum annual percentage rate that can apply is 21.0% APR or the maximum permitted by law, whichever is less. Closing costs may range from $175-$800 of which, Dupaco will pay up to a maximum of $350, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. There are no application, annual, maintenance or transaction fees associated with this account. Property insurance is required. This is limited time offer and is subject to meeting credit criteria. |
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Home Equity Loan
| Term | Annual Percentage Rate (As Low As) 1 |
|---|---|
| 5 Years | 6.50% |
| Rate accurate as of 01/01/2023 and subject to change. Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 6.50% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $195.71. Over the life of the loan you will pay $1,742.58 in interest. 1Home Equity Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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Home Improvement Loans
| Loan Amount | Term | Annual Percentage Rate (As Low As)1 |
|---|---|---|
| $0 - $20,000 | 120 Months | 8.50% |
| $20,001 - $50,000 | 180 Months | 8.75% |
| Home Improvement loan payment example for illustrative purposes only: If you borrowed $20,000 at 8.50% annual percentage rate (APR) with a 120-month term, your minimum monthly payment obligation would be $248.09. Over the life of the loan, you will pay $9769.30 in interest. 1 Home Improvement Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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Personal Loan
| Term | Annual Percentage Rate (As Low As) 1 |
|---|---|
| 24 Months | 10.39% |
| 36 Months | 10.64% |
| 48 Months | 11.14% |
| Rates are effective as of 06/01/2023 and are subject to change without notice. Personal Loan payment example for illustrative purposes only: If you borrow $5,000 at an 10.64% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $162.87. Over the life of the loan, you will pay $863.30 in interest. 1Personal Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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Boat & RV Loans
| Loan Amount | Term | Annual Percentage Rate (As Low As) 1 |
|---|---|---|
| $10,000-24,999 | 36 Months | 7.29 |
| $10,000-24,999 | 48 Months | 7.59 |
| $10,000-24,999 | 60 Months | 7.89 |
| $25,000-39,999 | 60 Months | 7.09 |
| $25,000-39,999 | 72 Months | 7.34 |
| $25,000-39,999 | 84 Months | 7.59 |
| $25,000-39,999 | 96 Months | 8.59 |
| $25,000-39,999 | 120 Months | 9.59 |
| $40,000+ | 60 Months | 7.09 |
| $40,000+ | 72 Months | 7.09 |
| $40,000+ | 84 Months | 7.34 |
| $40,000+ | 96 Months | 8.34 |
| $40,000+ | 120 Months | 9.34 |
| $40,000+ | 180 Months | 10.04 |
| Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 7.09% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $992.45. Over the life of the loan, you will pay $9546.93 in interest. 1 Boat & RV Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates effective 01/01/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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ATV, Snowmobile, Jet Ski Loans
| Loan Program | Term | Annual Percentage Rate (As Low As) 1 |
|---|---|---|
| Model Year 2023-21 | 36 Months | 7.44% APR |
| Model Year 2023-21 | 48 Months | 7.44% APR |
| Model Year 2023-21 | 60 Months | 7.49% APR |
| Model Year 2020-19 | 36 Months | 7.69% APR |
| Model Year 2020-19 | 48 Months | 7.69% APR |
| Model Year 2020-19 | 60 Months | 7.74% APR |
| Model Year 2018-17 | 36 Months | 8.19% APR |
| Model Year 2018-17 | 48 Months | 8.19% APR |
| Model Year 2018-17 | 60 Months | 8.24% APR |
| Model Year 2016 and older | 36 Months | 11.54% APR |
| ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 7.49% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $150.28. Over the life of the loan, you will pay $1,516.20 in interest. 1 ATV, Snowmobile, & Jet Ski Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates effective 5/19/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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Have questions? Need assistance?
Contact our Consumer Lending department at loans@dupaco.com or 800-373-7600, ext. 305.
