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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
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.
N/AN/AN/A$50N/A

1st Rate Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
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.
$100,000+0.40%0.40%$50$100,000
$25,000 - $99,999.990.25%0.25%$50$25,000
$5,000 - $24,999.990.15%0.15%$50$5,000
Less than $5,000n/an/a$50n/a

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Health Savings Accounts

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
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.
$25,000+0.65%0.65%$25$25,000
$10,000 - $24,999.990.40%0.40%$25$10,000
$2,500 - $9,999.990.25%0.25%$25$2,500
$0.01 - $2,499.990.20%0.20%$25$0.01

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Savings Accounts

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
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.
Regular Savings$25,000+0.50%0.50%$25$25,000
Regular Savings$10,000 - $24,999.990.35%0.35%$25$10,000
Regular Savings$2,500 - $9,999.990.25%0.25%$25$2,500
Regular Savings$100 - $2,499.990.20%0.20%$25$100
Regular Savingsless than $100n/an/a$25n/a
Holiday Club Savingsn/a0.50%0.50%$25$100

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Launchpad Savings Account

Account TypeDividend RateAnnual Percentage Yield (APY)1Min. BalanceMax. Balance
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.
Launchpad Savings0.50%0.50%$5$1,000

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Money Market Accounts

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
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 deposits limits may apply.
Investors Choice$100,000+0.75%0.75%$25$100,000
Investors Choice$25,000 - $99,999.990.65%0.65%$25$25,000
Investors Choice$10,000 - $24,999.990.40%0.40%$25$10,000
Investors Choice$9,999.99 or less0.25%0.25%$25$0.01
Insured Money Management$2,500+0.30%0.30%$25$2,500

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High-Yield Savings

Balance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
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 individual and small business member accounts only. Not available to investment companies and financial institutions. Maximum deposits limits may apply.
$200,000+1.39%1.40%$25$200,000
$150,000 - $199,999.991.14%1.15%$25$150,000
$100,000 - $149,999.990.90%0.90%$25$100,000
$50,000 - $99,999.990.80%0.80%$25$50,000
less than $50,0000.25%0.25%$25$0.01

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Regular

TermDividend RateAnnual Percentage Yield (APY)1Min. to Earn
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.
60 Month1.64%1.65%$1,000
48 Month1.30%1.30%$1,000
36 Month1.05%1.05%$1,000
30 Month0.95%0.95%$1,000
24 Month0.80%0.80%$1,000
18 Month0.70%0.70%$1,000
12 Month0.60%0.60%$1,000
6 Month0.35%0.35%$1,000

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Special

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
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.
45 Month Fixed Jumbo Certificate Special3.23%3.26%1$100,000
29 Month Fixed Jumbo Certificate Special2.73%2.75%1$100,000
15 Month Fixed Jumbo Certificate Special2.48%2.50%1$100,000
45 Month Fixed Certificate Special2.99%3.01%2$5,000
29 Month Fixed Certificate Special2.48%2.50%2$5,000
15 Month Fixed Certificate Special2.24%2.25%2$5,000

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Fixed IRAs

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
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.
45 Month Fixed Jumbo Special3.23%3.26%1$100,000
29 Month Fixed Jumbo Special2.73%2.75%1$100,000
15 Month Fixed Jumbo Special2.48%2.50%1$100,000
45 Month Special2.99%3.01%2$5,000
29 Month Special2.48%2.50%2$5,000
15 Month Special2.24%2.25%2$5,000
60 Months1.64%1.65%3
$1,000
36 Months1.05%1.05%3
$1,000
18 Months0.70%0.70%3
$1,000

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Variable IRAs

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to Earn
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.
$15,000+1.35%1.36%$15,000
$5,000-$14,999.990.85%0.85%$5,000
$1,000-$4,999.990.60%0.60%$1,000

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Loan Rates

Auto & Motorcycle Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1Cooperative Giveback Rate (As Low As) 2
Auto loan payment example for illustrative purposes only: If you borrow $10,000 at 4.19% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $185.02. Over the life of the loan you will pay $1,101.43 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.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
2017-19 Model Year24 Months4.19% APR4.04% APR
2017-19 Model Year36 Months4.19% APR4.04% APR
2017-19 Model Year48 Months4.19% APR4.04% APR
2017-19 Model Year60 Months4.19% APR4.04% APR
2017-19 Model Year72 Months4.44% APR4.29% APR
2017-19 Model Year84 Months5.19% APR5.04% APR
2015-16 Model Year24 Months4.19% APR4.04% APR
2015-16 Model Year36 Months4.19% APR4.04% APR
2015-16 Model Year48 Months4.19% APR4.04% APR
2015-16 Model Year60 Months4.44% APR4.29% APR
2013-14 Model Year24 Months5.44% APR5.29% APR
2013-14 Model Year36 Months5.44% APR5.29% APR
2013-14 Model Year48 Months5.44% APR5.29% APR
2010-12 Model Year24 Months6.29% APR6.14% APR
2010-12 Model Year36 Months6.29% APR6.14% APR

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Platinum Visa

Platinum Credit CardAnnual Percentage Rate (APR)*
1 Visa Introductory Rate: 5.99% introductory annual percentage rate (APR), for qualified members, for 182 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After the introductory period your APR will be variable rate from 11.25% to 18.25%, based on your creditworthiness. Visa APR will vary with the market based on the Prime Rate. 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.
1 Visa Non-Promotional 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.
Visa Introductory Rate5.99% APR1 for six months
Visa Non-Promotional Rate11.25%-18.25% APR2

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Rewards Visa

Rewards Credit CardAnnual Percentage Rate (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
Rewards Visa14.25% - 21.00% APR

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Home Loan

Click here for current mortgage rates.

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Mini-Mortgage

TermAnnual Percentage Rate (APR)1Cooperative Giveback Rate (As Low As)2
Mini Mortgage payment example for illustrative purposes only: If you borrow $20,000 at 3.94% annual percentage rate (APR) with a 10 year term, your minimum monthly payment obligation would be $209.70. Over the life of the loan you will pay $5,163.48 in interest.
1 Mini Mortgage Rates: Subject to credit qualification. Members can qualify for an additional .50% on the cooperative loan discount rates for LTV 45% or less. Up to 75% maximum loan to value based on tax-assessed value with an appraisal. Member is responsible for closing costs, which could be less than $400. Repayment terms of ten years or less available. The Annual Percentage Rate (APR) varies based on 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.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.

10 Years or Less4.65% APR (4.00% Floor)4.50% APR (4.00% Floor)

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Home Equity Line of Credit

Loan ProgramAnnual Percentage Rate
1Home Equity Introductory Rate: The 2.99% introductory Annual Percentage Rate (APR) is for qualified members with a credit score of 675 or above who open a new Home Equity Loan. The 2.99% introductory APR expires 180 days after the date the account is opened, at which time the APR will increase to the non-discount variable rate ranging from 5.00-5.50% APR, based on credit score and a combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at time of account opening. If member does not qualify for the 2.99% introductory APR, then the applicable APR is a variable rate ranging from 7.40% to 10.00% based on credit score. Introductory APR is accurate as of 3/1/2019 and is subject to change. Home Equity Loans require a minimum $10,000 line of credit and a combined loan-to-value of 85% or less. Closing costs paid by the credit union to a maximum of $350. There are no application, annual, maintenance or transaction fees associated with this account; however, Lender may recover origination charges if loan is closed within 30 months of opening. Property insurance required. This offer is good for a limited time only. This offer is not transferable and may not be used in conjunction with any other discounts, offers or coupons. Rate requires Dupaco membership. Account opening subject to qualification and approval.
2Home Equity 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 5.00% 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 line is closed within 30 months of opening. Consult your tax adviser concerning the deductibility of interest. Property insurance required.
Home Equity Introductory Rate2.99% APR1 for 6 months
Home Equity Prime Cut Rate5.00% APR2

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Home Improvement Loans

Loan AmountTermCredit ScoreAnnual Percentage Rate (APR)1Cooperative Giveback Rate (APR As Low As)2
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. Home improvement loan has a minimum credit score of 660 and terms as long as 120 months. Home improvement plus loan has a minimum credit score of 700 and terms as long as 180 months.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
$0 - $10,000120 Months675+7.25%7.10%
$0 - $10,000120 Months660-6748.25%8.10%
$10,001 - $25,000180 Months700+7.50%7.35%

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Student Loan

Undergraduate and Student Loan Refinance Rates

Personal Loan

TermAnnual Percentage Rate (As Low As) 1Cooperative Giveback Rate (APR As Low As) 2
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.
2Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco Visa card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.

24 Months8.50%8.35%
36 Months9.00%8.85%

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Boat & RV Loans

Loan AmountTermAnnual Percentage Rate (As Low As) 1Cooperative Giveback Rate (As Low As) 2
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 Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
$10,000-24,99936 Months5.54%5.39%
$10,000-24,99948 Months5.79%5.64%
$10,000-24,99960 Months6.04%5.89%
$25,000-49,00060 Months5.29%5.14%
$25,000-49,00072 Months5.54%5.39%
$25,000-49,00084 Months5.79%5.64%
$50,000+60 Months5.04%4.89%
$50,000+72 Months5.29%5.14%
$50,000+84 Months5.54%5.39%

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Boat & RV Balloon Loans

Loan AmountTermAnnual Percentage Rate (As Low As)1Cooperative Giveback Rate (As Low As)2
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.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
$25,000+10 Years6.04%5.89%
$50,000+15 Years6.29%6.14%

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ATV, Snowmobile, Jet Ski Loans

Loan ProgramTermAnnual Percentage Rate (As Low As)Cooperative Giveback Rate (As Low As) 1
ATV payment example for illustrative purposes only: If you borrow $7,500 at 5.74% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $146.89. Over the life of the loan you will pay $1,313.21 in interest.
2 Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
Model Year 2017-1924 Months6.54% APR6.39% APR
Model Year 2017-1936 Months6.54% APR6.39% APR
Model Year 2017-1948 Months6.54% APR6.39% APR
Model Year 2017-1960 Months6.54% APR6.39% APR
Model Year 2015-1624 Months6.69% APR6.54% APR
Model Year 2015-1636 Months6.84% APR6.69% APR
Model Year 2015-1648 Months7.04% APR6.89% APR
Model Year 2013-1424 Months6.69% APR6.54% APR
Model Year 2013-1436 Months7.40% APR7.25% APR
Model Year 2012 and older36 Months10.15% APR10.00% APR

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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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