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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 - $9,999.990.15%0.15%$25$2,500
Share Savings$100 - $2,499.990.10%0.10% $25$100
Share Savingsless than $100n/an/a$25n/a
Rates are effective as of 10/01/2022 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 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 - $9,999.990.15%0.15%$25$2,500
You Name It Savings$100 - $2,499.990.10%0.10%$25$100
You Name It Savingsless than $100n/an/a$25n/a
Rates are effective as of 10/01/2022 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 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 10/01/2022 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 TypeDividend RateAnnual Percentage Yield (APY)1Min. BalanceMax. Balance
Launchpad Savings0.20%0.20%$5$1,000
Rates are effective as of 10/01/2022 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 - $24,999.990.25%0.25%$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 09/01/2022 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 TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$200,000+1.49%1.50%$50,000$200,000
$150,000 - $199,999.991.39%1.40%$50,000$150,000
$100,000 - $149,999.991.29%1.30%$50,000$100,000
$50,000 - $99,999.991.19%1.20%$50,000$50,000
up to $49,999.990.10%0.10%$50,000$0.01
Rates are effective as of 10/01/2022 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
39 Month Fixed Jumbo Certificate Special3.67%3.70%1$100,000
39 Month Fixed Certificate Special3.57%3.60%2$5,000
25 Month Fixed Jumbo Certificate Special3.37%3.40%1$100,000
25 Month Fixed Certificate Special3.27%3.30%2$5,000
15 Month Fixed Jumbo Certificate Special2.98%3.00%1$100,000
15 Month Fixed Certificate Special2.88%2.90%2$5,000
Rates are effective as of 09/26/2022 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 Month1.15%1.15%$1,000
48 Month0.95%0.95%$1,000
36 Month0.90%0.90%$1,000
30 Month0.85%0.85%$1,000
24 Month0.80%0.80%$1,000
18 Month0.70%0.70%$1,000
12 Month0.60%0.60%$1,000
6 Month0.50%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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Fixed IRAs

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Traditional: 39 Month Fixed Jumbo Special3.67%3.70%1$100,000
Roth: 39 Month Fixed Jumbo Special3.67%3.70%1$100,000
Traditional: 39 Month Fixed Special3.57%3.60%2$5,000
Roth: 39 Month Fixed Special3.57%3.60%2$5,000
Traditional: 25 Month Fixed Jumbo Special3.37%3.40%1$100,000
Roth: 25 Month Fixed Jumbo Special3.37%3.40%1$100,000
Traditional: 25 Month Fixed Special3.27%3.30%2$5,000
Roth: 25 Month Fixed Special3.27%3.30%2$5,000
Traditional: 15 Month Fixed Jumbo Special2.98%3.00%1$100,000
Roth: 15 Month Fixed Jumbo Special2.98%3.00%1$100,000
Traditional: 15 Month Fixed Special2.88%2.90%2$5,000
Roth: 15 Month Fixed Special2.88%2.90%2$5,000
Traditional: 60 Months1.15%1.153
$1,000
Roth: 60 Months1.15%1.153
$1,000
Traditional: 36 Months0.90%0.90%3
$1,000
Roth: 36 Months0.90%0.90%3
$1,000
Traditional: 18 Months0.70%0.70%3
$1,000
Roth: 18 Months0.70%0.70%3
$1,000
Rates are effective as of 09/26/2022 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 $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. Fees may reduce earnings.
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

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+0.30%0.30%$25$25,000
$10,000 - $24,999.990.25%0.25%$25$10,000
$2,500 - $9,999.990.20%0.20%$25$2,500
up to $2,499.990.15%0.15%$25$0.01
Rates are effective as of 09/01/2022 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

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+0.10%0.10%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 01/01/2022 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 ProgramTermAnnual Percentage Rate (As Low As) 1
2020-22 Model Year48 Months4.59% APR
2020-22 Model Year60 Months4.64% APR
2020-22 Model Year66 Months4.69% APR
2020-22 Model Year72 Months4.79% APR
2020-22 Model Year78 Months4.89% APR
2020-22 Model Year84 Months4.99% APR
2018-19 Model Year48 Months4.89% APR
2018-19 Model Year60 Months4.94% APR
2018-19 Model Year66 Months4.99% APR
2018-19 Model Year72 Months5.09% APR
2016-17 Model Year48 Months5.39% APR
2016-17 Model Year60 Months5.44% APR
2016-17 Model Year72 Months5.59% APR
2013-15 Model Year36 Months5.49% APR
2013-15 Model Year48 Months5.54% APR
2013-15 Model Year60 Months5.59% APR
2012 Model Year (and older)36 Months7.79% APR
2012 Model Year (and older)48 Months7.89% APR
Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 4.64% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $561.22. Over the life of the loan, you will pay $3,673.13 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 10/01/2022. 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 Rate12.00% - 19.00% APR1
Introductory Balance Transfer Rate2.90% APR for 6 mos. (after that your rate will be 12.00% - 19.000% 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 10/01/2022 is a variable rate from 12.00% - 19.00%, 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.

For existing cardholders, the 2.90% annual percentage rate (APR) balance transfer promotional rate is valid for balance transfers and balance consolidations that post to your Dupaco Platinum Visa between August 1, 2022 and October 31, 2022. The 2.90% promotional 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 10/01/2022 is a variable rate from 12.00% to 19.00% APR, based on your creditworthiness. Must be an existing cardholder and the Visa credit card account must be in good standing to qualify. “In good standing” means the Visa credit card account is not over-the-limit or delinquent. 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. This offer is available August 1-October 31, 2022.

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Rewards Visa

Rewards Credit CardAnnual Percentage Rate (APR)
Rewards Visa15.00% - 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

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TermRatePointsAPR
Purchase: 97% ltv 30-Year Fixed Conventional *6.625%10.00%7.242%
Purchase: 30-Year Fixed Conventional ^6.250%0.00%6.436%
Purchase: 15-Year Fixed Conventional ^5.750%0.00%5.996%
Purchase: 10/1 ARM (30-Year Amortization) 6.250%20.00%6.655%
Purchase: 7/1 ARM (30-Year Amortization) 6.125%0.00%6.688%
Purchase: 5/1 ARM (30-Year Amortization) 6.000%0.00%6.723%
Purchase: 10/1 Jumbo* ARM (30-Year Amortization)6.500%30.00%6.703%
Purchase: 7/1 Jumbo* ARM (30-Year Amortization)6.375%0.00%6.702%
Purchase: 5/1 Jumbo* ARM (30-Year Amortization)6.250%0.00%6.712%
Rates are effective as of 10/06/2022. 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.

* Rate quote is valid for First Time Homebuyer only.
^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 620 and 95% loan to value (ltv).

1Conventional Purchase payment example for illustrative purposes only: If you borrow $100,000 at 5.927% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $583.37 Over the life of the loan, you will pay $110,086.23 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 5% with an APR of 5.611%, 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 5% interest rate with a payment of $805.23. Year 11 at 7% interest rate with a payment of $946. Year 12 at 9% interest rate with a payment of $1,092. Year 13-20 at 11% interest rate with payment of 1,242. 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 $650,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5.375% with an APR of 5.835%, 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 5.375% interest rate with a payment of $3,639.81. Year 11 at 7.375% interest rate with a payment of $4,266. Year 12 at 9.375% interest rate with a payment of $4,915. Year 13-20 at 11.375% interest rate with payment of $5,580.

*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 $647,200 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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TermRatePointsAPR
Refinance: 30-Year Fixed Conventional ^6.250%10.00%6.436%
Refinance: 20-Year Fixed Conventional5.875%0.00%6.114%
Refinance: 15-Year Fixed Conventional ^5.750%0.00%5.996%
Refinance: 10/1 ARM (30-Year Amortization) 6.250%40.00%6.655%
Refinance: 7/1 ARM (30-Year Amortization) 6.125%0.00%6.688%
Refinance: 5/1 ARM (30-Year Amortization) 6.000%0.00%6.723%
Refinance: 10/1 Jumbo* ARM (30-Year Amortization)6.500%50.00%6.703%
Refinance: 7/1 Jumbo* ARM (30-Year Amortization)6.375%0.00%6.702%
Refinance: 5/1 Jumbo* ARM (30-Year Amortization)6.250%0.00%6.712%
Rates are effective as of 10/05/2022. 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 620 and 95% loan to value (ltv).

1Conventional Refinance payment example for illustrative purposes only: If you borrow $100,000 at 5.927% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $583.57. Over the life of the loan, you will pay $110,086.23 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 5% with an APR of 5.611%, 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 5% interest rate with a payment of $805.23. Year 11 at 7% interest rate with a payment of $946. Year 12 at 9% interest rate with a payment of $1,092. Year 13-20 at 11% interest rate with payment of 1,242. 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 $650,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5.375% with an APR of 5.835%, 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 5.375% interest rate with a payment of $3,639.81. Year 11 at 7.375% interest rate with a payment of $4,266. Year 12 at 9.375% interest rate with a payment of $4,915. Year 13-20 at 11.375% interest rate with payment of $5,580.

*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 $647,200 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 ProgramAnnual Percentage Rate (As Low As)1
HELOC Prime Cut Rate5.75% APR2
1Loan 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.

2HELOC Prime Cut Rate: Minimum $5,000 line of credit required on loan-to-value less than 85%. Qualification for the 5.75% 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-$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 Years5.00%
Rate accurate as of 10/01/2022 and subject to change.

Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 5.00% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $188.71. Over the life of the loan you will pay $1,322.74 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%
$25,000-39,99960 Months4.59%
$25,000-39,99972 Months4.84%
$25,000-39,99984 Months5.09%
$25,000-39,99996 Months6.09%
$25,000-39,999120 Months7.09%
$40,000+60 Months4.59%
$40,000+72 Months4.59%
$40,000+84 Months4.84%
$40,000+96 Months5.84%
$40,000+120 Months6.84%
$40,000+180 Months7.54%
Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 4.59% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $934.23. Over the life of the loan, you will pay $6,053.55 in interest.

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

Rates effective 05/02/2022. 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 2020-2236 Months5.24% APR
Model Year 2020-2248 Months5.24% APR
Model Year 2020-2260 Months5.29% APR
Model Year 2018-1936 Months5.49% APR
Model Year 2018-1948 Months5.49% APR
Model Year 2018-1960 Months5.54% APR
Model Year 2016-1736 Months5.99% APR
Model Year 2016-1748 Months5.99% APR
Model Year 2016-1760 Months6.04% APR
Model Year 2015 and older36 Months9.59% APR
ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 5.29% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $142.53. Over the life of the loan, you will pay $1,051.70 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 09/01/2022. 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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