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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

Free Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
N/AN/AN/A$50N/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

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.30%0.30%$50$100,000
$25,000 - $99,999.990.20%0.20%$50$25,000
$5,000 - $24,999.990.15%0.15%$50$5,000
Less than $5,000n/an/a$50n/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.

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Health Savings Accounts

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$25,000+0.55%0.55%$25$25,000
$10,000 - $24,999.990.35%0.35%$25$10,000
$2,500.01 - $9,999.990.20%0.20%$25$2,500
up to $2,5000.15%0.15%$25$0.01
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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Savings Accounts

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Regular Savings$25,000+0.40%0.40%$25$25,000
Regular Savings$10,000 - $24,999.990.30%0.30%$25$10,000
Regular Savings$2,500 - $9,999.990.20%0.20%$25$2,500
Regular Savings$100 - $2,499.990.15%0.15%$25$100
Regular Savingsless than $100n/an/a$25n/a
Holiday Club Savingsn/a0.40%0.40%$25$100
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 Savings0.40%0.40%$5$1,000
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+0.60%0.60%$2,500$100,000
$25,000 - $99,999.990.50%0.50%$2,500$25,000
$10,000 - $24,999.990.40%0.40%$2,500$10,000
$2,500 - $9,999.990.20%0.20%$2,500$2,500
up to $2,499.990.15%0.15%$2,500$0.01
Rates are effective as of 08/01/2020 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+1.00%1.00%$50,000$200,000
$150,000 - $199,999.990.85%0.85%$50,000$150,000
$100,000 - $149,999.990.70%0.70%$50,000$100,000
$50,000 - $99,999.990.60%0.60%$50,000$50,000
up to $49,999.990.15%0.15%$50,000$0.01
Rates are effective as of 08/01/2020 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
25 Month Fixed Jumbo Certificate Special1.00%1.00%$100,000
25 Month Fixed Certificate Special0.90%0.90%$5,000
11 Month Fixed Jumbo Certificate Special0.90%0.90%1$100,000
11 Month Fixed Certificate Special0.80%0.80%2$5,000
Rates are effective as of 07/27/2020 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 Month1.10%1.10%$1,000
48 Month0.95%0.95%$1,000
36 Month0.90%0.90%$1,000
30 Month0.80%0.80%$1,000
24 Month0.75%0.75%$1,000
18 Month0.60%0.60%$1,000
12 Month0.50%0.50%$1,000
6 Month0.35%0.35%$1,000
Rates are effective as of 07/27/2020 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
25 Month Fixed Jumbo Special1.00%1.00%$100,000
25 Month Special0.90%0.90%$5,000
11 Month Fixed Jumbo Special0.90%0.90%1$100,000
11 Month Special0.80%0.80%2$5,000
60 Months1.10%1.10%3
$1,000
36 Months0.90%0.90%3
$1,000
18 Months0.60%0.60%3
$1,000
Rates are effective as of 07/27/2020 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
$15,000+1.10%1.10%$15,000
$5,000-$14,999.990.70%0.70%$5,000
$1,000-$4,999.990.50%0.50%$1,000
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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Loan Rates

Auto & Motorcycle Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
2018-20 Model Year24 Months3.09% APR
2018-20 Model Year36 Months3.09% APR
2018-20 Model Year48 Months3.09% APR
2018-20 Model Year60 Months3.09% APR
2018-20 Model Year72 Months3.44% APR
2018-20 Model Year84 Months3.94% APR
2016-17 Model Year24 Months3.39% APR
2016-17 Model Year36 Months3.39% APR
2016-17 Model Year48 Months3.39% APR
2016-17 Model Year60 Months3.64% APR
2016-17 Model Year72 Months3.89% APR
2014-15 Model Year24 Months3.39% APR
2014-15 Model Year36 Months3.39% APR
2014-15 Model Year48 Months3.39% APR
2014-15 Model Year60 Months3.64% APR
2011-13 Model Year24 Months4.39% APR
2011-13 Model Year36 Months4.39% APR
2011-13 Model Year48 Months4.64% APR
Auto loan payment example for illustrative purposes only: If you borrow $10,000 at 3.64% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $182.55. Over the life of the loan you will pay $952.71 interest.
1 Auto 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.

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Platinum Visa

Platinum Credit CardAnnual Percentage Rate (APR)*
Platinum Visa Rate9.00% - 16.00% APR1
Introductory Balance Transfer Rate2.90% APR2
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: Introductory balance transfer annual percentage rate (APR) is 2.90% for six months from date of first transfer. Offer applies to balance transfers that post to your account within 90 days of account opening. After the six month introductory period ends, then the standard purchase APR applies. APR will vary with the market based on the Prime Rate. 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.

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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%2.9954%
Refinance: 30-Year Fixed Conventional 3.25%0.00%3.374%
Purchase: 20-Year Fixed Conventional2.75%0.00%2.9192%
Refinance: 20-Year Fixed Conventional3.125%0.00%3.2982%
Purchase: 15-Year Fixed Conventional2.75%0.00%2.8988%
Refinance: 15-Year Fixed Conventional2.875%0.00%3.0251%
Straight Refinance: 15-Year Fixed Mini-Mortgage--3.25%1
Straight Refinance: 10-Year (or less) Fixed Mini-Mortgage--3.00%1
Rates are effective as of 08/03/2020 at 7:30 a.m. CT and are subject to change without notice.

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.

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.

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 Introductory Rate1.99% APR for 6 months1
HELOC Prime Cut Rate4.00%-4.49% APR2
Rate may change on the first day of each month.

1HELOC Introductory Rate:The 1.99% introductory Annual Percentage Rate (APR) is for qualified members with a credit score of 675 or above who open a new Home Equity Loan. The 1.99% 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 1.99% introductory APR then the applicable APR is a variable rate ranging from 8.00% to 10.00% based on credit score. Introductory APR is accurate as of 3/1/2020 and subject to change. Home Equity loans require a minimum $10,000 line of credit and a combined loan-to-value less than 85%. The maximum annual percentage rate that can apply is 21.00% or the maximum permitted by law, whichever is less. 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.

2HELOC 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). 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, Lender may recover origination charges if the line is closed within 30 months of opening. Consult your tax adviser concerning the deductibility of interest. Property insurance required.

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Home Equity Loan

TermAnnual Percentage Rate (As Low As) 1
5 Years3.64%
Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 4.35% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $185.77. Over the life of the loan you will pay $1,146.17 in interest.
1Home Equity Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.

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Home Improvement Loans

Loan AmountTermAnnual Percentage Rate (As Low As)1
$0 - $10,000120 Months7.50%
$10,001 - $25,000180 Months7.75%
Home Improvement loan payment example for illustrative purposes only: If you borrow $10,000 at 7.25% annual percentage rate (APR) with a 10 year term, your minimum monthly payment obligation would be $117.40. Over the life of the loan you will pay $4,088.12 in interest.
1 Home Improvement Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.

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Personal Loan

TermAnnual Percentage Rate (As Low As) 1
24 Months8.50%
36 Months9.00%
Personal Loan payment example for illustrative purposes only: If you borrow $5,000 at 8.50% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $157.84. Over the life of the loan you will pay $682.16 in interest.
1Personal Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.

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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 4.74% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $937.62. Over the life of the loan, you will pay $6,257.04 in interest.
1 Boat & RV Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.

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Boat & RV Balloon Loans

Loan AmountTermAnnual Percentage Rate (As Low As)1
$25,000+5 Years5.34%
$50,000+10 Years5.59%
Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at 4.24% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $955.98. Over the life of the loan you will pay $7,358.89 in interest.
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 are subject to change without notice.

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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. Rates are subject to change without notice.

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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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