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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 TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Share Savings$25,000+0.20%0.20%$25$25,000
Share Savings$10,000 - $24,999.990.15%0.15%$25$10,000
Share Savings$2,500 - $9,999.990.10%0.10%$25$2,500
Share Savings$100 - $2,499.990.07%0.07%$25$100
Share Savingsless than $100n/an/a$25n/a
Rates are effective as of 01/01/2021 and are subject to change without notice.

1Savings 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.

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You Name It Savings

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
You Name It Savings$25,000+0.20%0.20%$25$25,000
You Name It Savings$10,000 - $24,999.990.15%0.15%$25$10,000
You Name It Savings$2,500 - $9,999.990.10%0.10%$25$2,500
You Name It Savings$100 - $2,499.990.07%0.07%$25$100
You Name It Savingsless than $100n/an/a$25n/a
Rates are effective as of 01/01/2021 and are subject to change without notice.

1Savings 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.

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Holiday Club Savings

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Holiday Club Savingsn/a0.20%0.20%$25$100
Rates are effective as of 10/01/2020 and are subject to change without notice.

1Savings 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.

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Launchpad Savings Account

Account TypeDividend RateAnnual Percentage Yield (APY)1Min. BalanceMax. Balance
Launchpad Savings0.20%0.20%$5$1,000
Rates are effective as of 01/01/2021 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, Dupaco Financial Services, or First Community Trust 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 TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.40%0.40%$2,500$100,000
$25,000 - $99,999.990.30%0.30%$2,500$25,000
$10,000 - $24,999.990.20%0.20%$2,500$10,000
$2,500 - $9,999.990.15%0.15%$2,500$2,500
up to $2,499.990.10%0.10%$2,500$0.01
Rates are effective as of 12/01/2020 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 interest 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 TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$200,000+0.75%0.75%$50,000$200,000
$150,000 - $199,999.990.60%0.60%$50,000$150,000
$100,000 - $149,999.990.55%0.55%$50,000$100,000
$50,000 - $99,999.990.50%0.50%$50,000$50,000
up to $49,999.990.10%0.10%$50,000$0.01
Rates are effective as of 04/01/2021 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

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
15 Month Fixed Jumbo Certificate Special0.85%0.85%1$100,000
15 Month Fixed Certificate Special0.75%0.75%2$5,000
Rates are effective as of 02/01/2021 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 $5,000. 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

TermDividend RateAnnual Percentage Yield (APY)1Min. to Earn
60 Month0.80%0.80%$1,000
48 Month0.60%0.60%$1,000
36 Month0.55%0.55%$1,000
30 Month0.50%0.50%$1,000
24 Month0.45%0.45%$1,000
18 Month0.40%0.40%$1,000
12 Month0.35%0.35%$1,000
6 Month0.25%0.25%$1,000
Rates are effective as of 03/15/2021 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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Fixed IRAs

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Traditional: 15 Month Fixed Jumbo Special0.85%0.85%1$100,000
Roth: 15 Month Fixed Jumbo Special0.85%0.85%1$100,000
Traditional: 15 Month Fixed Special0.75%0.75%2$5,000
Roth: 15 Month Fixed Special0.75%0.75%2$5,000
Traditional: 60 Months0.80%0.80%3
$1,000
Roth: 60 Months0.80%0.80%3
$1,000
Traditional: 36 Months0.55%0.55%3
$1,000
Roth: 36 Months0.55%0.55%3
$1,000
Traditional: 18 Months0.40%0.40%3
$1,000
Roth: 18 Months0.40%0.40%3
$1,000
Rates are effective as of 03/15/2021 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.
2Fixed Special Rate: Minimum amount required to open any Fixed IRA special certificate is $5,000. 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.
3Fixed IRA Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. Fees may reduce earnings. A penalty may be incurred for early withdrawals.

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Variable IRAs

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to Earn
Traditional: $15,000+0.55%0.55%$15,000
Roth: $15,000+0.55%0.55%$15,000
Traditional: $5,000-$14,999.990.40%0.40%$5,000
Roth: $5,000-$14,999.990.40%0.40%$5,000
Traditional: $1,000-$4,999.990.25%0.25%$1,000
Roth: $1,000-$4,999.990.25%0.25%$1,000
Rates are effective as of 07/01/2021 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

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$25,000+0.25%0.25%$25$25,000
$10,000 - $24,999.990.20%0.20%$25$10,000
$2,500 - $9,999.990.15%0.15%$25$2,500
up to $2,499.990.10%0.10%$25$0.01
Rates are effective as of 12/01/2020 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 interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Free Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
N/AN/AN/ANoneNone
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

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.15%0.15%None$100,000
$25,000 - $99,999.990.10%0.10%None$25,000
$5,000 - $24,999.990.05%0.05%None$5,000
Less than $5,000n/an/aNonen/a
Rates are effective as of 12/01/2020 and are subject to change without notice.

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.

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Loan Rates

Auto & Motorcycle Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
2019-22 Model Year48 Months2.64% APR
2019-22 Model Year60 Months2.64% APR
2019-22 Model Year66 Months2.69% APR
2019-22 Model Year72 Months2.79% APR
2019-22 Model Year78 Months3.04% APR
2019-22 Model Year84 Months3.34% APR
2017-18 Model Year48 Months2.94% APR
2017-18 Model Year60 Months3.04% APR
2017-18 Model Year66 Months3.09% APR
2017-18 Model Year72 Months3.14% APR
2015-16 Model Year36 Months3.49% APR
2015-16 Model Year48 Months3.49% APR
2015-16 Model Year60 Months3.49% APR
2012-14 Model Year36 Months3.84% APR
2012-14 Model Year48 Months3.84% APR
2011 Model Year (and older)36 Months6.49% APR
2011 Model Year (and older)48 Months6.74% APR
Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 2.64% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $534.27 Over the life of the loan, you will pay $2,056.49 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 11/01/2021. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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Platinum Visa

Platinum Credit CardAnnual Percentage Rate (APR)*
Platinum Visa Rate9.00% - 16.00% APR1
Introductory Balance Transfer Rate2.90% APR for 6 mos. (after that your rate will be 9.00−16.00% 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 Balance Transfer Rate:For new cardholders, the 2.90% annual percentage rate (APR) balance transfer introductory rate is valid for new cardholders’ balance transfers and balance consolidations that post to your Dupaco Platinum 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 03/01/2021 is a variable rate from 9.00% to 16.00%, 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 is $15.00 or the minimum due, whichever is less if you 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 CardAnnual Percentage Rate (APR)*
Rewards Visa12.00% - 19.00% 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

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Mortgages

TermRatePointsAPR
Purchase: 30-Year Fixed Conventional2.875%0.00%2.977%
Refinance: 30-Year Fixed Conventional 2.875%0.00%2.977%
Purchase: 20-Year Fixed Conventional2.625%0.00%2.767%
Refinance: 20-Year Fixed Conventional2.625%0.00%2.767%
Purchase: 15-Year Fixed Conventional2.125%0.00%2.269%
Refinance: 15-Year Fixed Conventional2.250%0.00%2.396%
Straight Refinance: 15-Year Fixed Mini-Mortgage--2.625%1
Straight Refinance: 10-Year (or less) Fixed Mini-Mortgage--2.50%1
Rates are effective as of 11/30/2021. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Conventional Purchase payment example for illustrative purposes only: If you borrow $100,000 at 3.125% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $428.38. Over the life of the loan, you will pay $54,215.16 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums.

Conventional Refinance payment example for illustrative purposes only: If you borrow $100,000 at 3.375% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $442.10. Over the life of the loan, you will pay $59,154.64 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums.

Mini-Mortgage Refinance payment example for illustrative purposes only: If you borrow $50,000 at 3.00% annual percentage rate (APR) with a 10-year term, your minimum monthly payment obligation would be $482.80. Over the life of the loan, you will pay $7,936.45 in interest.

1 Mini-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 based on the program selected. Selected APR will remain fixed for the duration of the term of the loan. Owner-occupied property only. Property insurance required. Rates subject to change without notice.

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Home Equity Line of Credit

Loan ProgramAnnual Percentage Rate
HELOC Prime Cut Rate4.00%-4.49% APR
Rate may change on the first day of each month.

HELOC Prime Cut Rate: Rate based on qualification. Minimum $5,000 line of credit required on loan-to-value less than 85%. 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 calendar month, plus an index with a floor rate of 4.00% (if applicable). Closing costs may range from $175-$650, 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.

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Home Equity Loan

TermAnnual Percentage Rate (As Low As) 1
5 Years3.49%
Rate accurate as of 03/01/2021 and subject to change.

Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 3.49% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $181.87. Over the life of the loan you will pay $912.36 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 AmountTermAnnual Percentage Rate (As Low As)1
$0 - $20,000120 Months7.50%
$20,001 - $50,000180 Months7.75%
Home Improvement loan payment example for illustrative purposes only: If you borrowed $20,000 at 7.50% annual percentage rate (APR) with a 120-month term, your minimum monthly payment obligation would be $237.40. Over the life of the loan, you will pay $8,488.42 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

TermAnnual Percentage Rate (As Low As) 1
24 Months7.49%
36 Months7.74%
48 Months7.99%
Rates are effective as of 09/01/2021 and are subject to change without notice.

Personal Loan payment example for illustrative purposes only: If you borrow $5,000 at an 7.74% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $156.09. Over the life of the loan, you will pay $619.06 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 AmountTermAnnual Percentage Rate (As Low As) 1
$10,000-24,99936 Months4.79%
$10,000-24,99948 Months5.09%
$10,000-24,99960 Months5.39%
$25,000-49,00060 Months4.59%
$25,000-49,00072 Months4.84%
$25,000-49,00084 Months5.09%
$50,000+60 Months4.34%
$50,000+72 Months4.59%
$50,000+84 Months4.84%
Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 4.34% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $928.52. Over the life of the loan, you will pay $5,711.06 in interest.

1 Boat & RV Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount.

Rates effective 12/01/2020. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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Boat & RV Balloon Loans

Loan AmountTermAnnual Percentage Rate (As Low As)1
$25,000+5 Years5.34%
$50,000+10 Years5.34%
1 Boat & RV Loan Balloon Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. A minimum of 20% cash down is recommended.

Rates effective 12/01/2020. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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ATV, Snowmobile, Jet Ski Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
Model Year 2018-2024 Months5.64% APR
Model Year 2018-2036 Months5.64% APR
Model Year 2018-2048 Months5.64% APR
Model Year 2018-2060 Months5.64% APR
Model Year 2016-1724 Months5.79% APR
Model Year 2016-1736 Months5.94% APR
Model Year 2016-1748 Months6.14% APR
Model Year 2014-1524 Months6.29% APR
Model Year 2014-1536 Months6.85% APR
Model Year 2013 and older36 Months9.75% APR
ATV Loan payment example for illustrative purposes only: If you borrow $7,500 at 6.04% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $145.14. Over the life of the loan, you will pay $1,208.13 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, 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. 202.

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