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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+0.30%0.30%$25$25,000
Share Savings$10,000 - $24,999.990.25%0.25%$25$10,000
Share Savings$2,500 - $9,999.990.20%0.20%$25$2,500
Share Savings$100 - $2,499.990.15%0.15% $25$100
Share Savingsless than $100n/an/a$25n/a
Rates are effective as of 04/01/2023 and are subject to change without notice.

1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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You Name It Savings

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
You Name It Savings$25,000+0.30%0.30%$25$25,000
You Name It Savings$10,000 - $24,999.990.25%0.25%$25$10,000
You Name It Savings$2,500 - $9,999.990.20%0.20%$25$2,500
You Name It Savings$100 - $2,499.990.15%0.15%$25$100
You Name It Savingsless than $100n/an/a$25n/a
Rates are effective as of 04/01/2023 and are subject to change without notice.

1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Holiday Club Savings

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Holiday Club Savingsn/a0.30%0.30%$25$100
Rates are effective as of 04/01/2023 and are subject to change without notice.

1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Launchpad Savings Account

Account TypeDividend RateAnnual Percentage Yield (APY)1Min. BalanceMax. Balance
Launchpad Savings4.91%5.01%$5$1,000
Rates are effective as of 07/01/2023 and are subject to change without notice.

1Launchpad Savings Rate: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
Limitations: If there is no deposit to this account in any 90-day period, account will be closed and the funds will be deposited, less the $5, into member's share savings. Once the balance reaches $1,000 you have 90 days to move the funds into a Dupaco Financial Services IRA. If the funds are not moved into one of these accounts within 90 days of reaching the $1,000 balance, the account will be closed and the funds will be deposited, less the $5 fee, into member's share savings. A $5 penalty applies for each withdrawal from this account. The penalty is waived if the funds are transferred to an IRA. This is not a retirement account and there are no tax benefits on this account.

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Investor’s Choice

Balance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.65%0.65%$2,500$100,000
$25,000 - $99,999.990.55%0.55%$2,500$25,000
$10,000 - $24,999.990.50%0.50%$2,500$10,000
$2,500 - $9,999.990.45%0.45%$2,500$2,500
up to $2,499.990.40%0.40%$2,500$0.01
Rates are effective as of 03/01/2023 and are subject to change without notice.

1Money Market Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Available to individual and small business member accounts only. Not available to investment companies and financial institutions. Maximum deposit limits may apply.

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High-Yield Savings

Balance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$1,000,000+2.42%2.45%$50,000$1,000,000+
$500,000 - $999,999.992.23%2.25%$50,000$500,000
$250,000 - $499,999.992.03%2.05%$50,000$250,000
$100,000 - $249,999.991.83%1.85%$50,000$100,000
$50,000 - $99,999.991.64%1.65%$50,000$50,000
up to $49,999.991.44%1.45%$50,000$0.01
Rates are effective as of 07/01/2023 and are subject to change without notice.

1High-Yield Savings: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. $50,000 minimum balance to open and maintain the account. Rates may vary after account is opened. Minimum daily balance to earn must be maintained each day to obtain the disclosed APY. Dividends are calculated daily and credited and compounded monthly. Programs, rates, terms, and conditions are subject to change without notice. Fees may reduce earnings on account. Available to individuals, trusts, estates and small businesses. Not available to investment companies and financial institutions. Maximum deposits limits may apply.

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Special

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
7 Month Fixed Jumbo Certificate Special 5.03%5.10%1$100,000
7 Month Fixed Certificate Special4.93%5.00%2$1,000
Rates are effective as of 1/22/2024 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. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

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Regular

TermDividend RateAnnual Percentage Yield (APY)1Min. to Earn
60 Month1.30%1.30%$1,000
48 Month1.15%1.15%$1,000
36 Month1.00%1.00%$1,000
30 Month1.00%1.00%$1,000
24 Month1.00%1.00%$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 07/1/2023 and are subject to change without notice.

1Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

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Special IRAs

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Roth: 7 Month Fixed Jumbo Special5.03%5.10%1$100,000
Traditional: 7 Month Fixed Jumbo Special5.03%5.10%1$100,000
Roth: 7 Month Fixed Special4.93%5.00%2$1,000
Traditional: 7 Month Fixed Special4.93%5.00%2$1,000
Rates are effective as of 1/22/2024 and are subject to change without notice.

1Fixed Jumbo Special Rate: Minimum amount required to open any Fixed IRA Jumbo Special certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
2Fixed Special Rate: Minimum amount required to open any Fixed IRA special certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings.

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Regular IRAs

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
Traditional: 60 Months1.30%1.30%3
$1,000
Roth: 60 Months1.30%1.30%3
$1,000
Traditional: 36 Months1.00%1.00%3
$1,000
Roth: 36 Months1.00%1.00%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 7/1/2023 and are subject to change without notice.

3Fixed IRA Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. A penalty may be incurred for early withdrawals. Fees may reduce earnings.

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Variable IRAs

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to Earn
Traditional: $15,000+0.70%0.70%$15,000
Roth: $15,000+0.70%0.70%$15,000
Traditional: $5,000-$14,999.990.60%0.60%$5,000
Roth: $5,000-$14,999.990.60%0.60%$5,000
Traditional: $1,000-$4,999.990.50%0.50%$1,000
Roth: $1,000-$4,999.990.50%0.50%$1,000
Rates are effective as of 01/01/2023 and are subject to change without notice.

1Variable IRA Rates: Dividends and annual percentage yields accurate as of the last dividend declaration date. The dividend 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+0.40%0.40%$25$25,000
$10,000 - $24,999.990.35%0.35%$25$10,000
$2,500 - $9,999.990.30%0.30%$25$2,500
up to $2,499.990.25%0.25%$25$0.01
Rates are effective as of 04/01/2023 and are subject to change without notice.

1Health Savings Account Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Free Checking

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

1st Rate Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.15%0.15%None$100,000
$25,000 - $99,999.990.15%0.15%None$25,000
$5,000 - $24,999.990.10%0.10%None$5,000
Less than $5,000N/AN/ANoneN/A
Rates are effective as of 04/01/2023 and are subject to change without notice.

1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Have questions about deposit rates or accounts?

Email memberrequest@dupaco.com or give us a call at 800-373-7600, ext. 206.

Loan Rates

Auto & Motorcycle Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
2022-24 Model Year60 Months6.99% APR
2022-24 Model Year66 Months7.04% APR
2022-24 Model Year72 Months7.14% APR
2022-24 Model Year78 Months7.24% APR
2022-24 Model Year84 Months7.34% APR
2020-21 Model Year60 Months7.34% APR
2020-21 Model Year66 Months7.39% APR
2020-21 Model Year72 Months7.49% APR
2018-19 Model Year48 Months7.99% APR
2018-19 Model Year60 Months8.04% APR
2018-19 Model Year72 Months8.19% APR
2015-17 Model Year36 Months8.09% APR
2015-17 Model Year48 Months8.14% APR
2015-17 Model Year60 Months8.19% APR
2014 Model Year (and older)36 Months10.59% APR
2014 Model Year (and older)48 Months10.69% APR
Rates are effective as of 1/1/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 6.99% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $593.96. Over the life of the loan, you will pay $5637.34 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.

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Platinum Visa

Platinum Credit CardAnnual Percentage Rate (APR)
Platinum Visa Rate14.25% - 21.00% APR1
Introductory Balance Transfer Rate2.90% APR for 6 mos. (after that your rate will be 14.25% - 21.00% APR)2
Rates are effective as of 10/1/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.

1 Platinum Visa Rate: Annual percentage rate (APR) subject to change and may vary during the term of credit. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. Margin to be determined by credit score at the time of application. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee--$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $15.00; returned payment fee--up to $25.00.

2 Platinum Visa Introductory Rate: For new cardholders, the 2.90% annual percentage rate (APR) balance transfer introductory rate is valid for new cardholders' balance transfer and balance consolidations that post to your Dupaco Visa during the first 90 days following the opening of Dupaco Platinum Visa. The 2.90% introductory annual percentage rate (APR) expires six months from the date of your first balance transfer or balance consolidation, at which time the APR will revert back to the current standard APR, which effective 10/1/2023 is a variable rate of 14.25% - 21.00%, 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-$15 or the minimum due, whichever is less if your are four (4) or more days late; returned payment fee-up to $25. Offer valid only on Dupaco Platinum Visa.

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Rewards Visa

Rewards Credit CardAnnual Percentage Rate (APR)
Rewards Visa17.25% - 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*Payment Example
Purchase: 30-Year Fixed Conventional $766550 or less6.375%0.00%6.437%$4782.43
Purchase: 30-Year Fixed Conventional $150000 or less6.125%0.00%6.239%$ 911.42
Purchase: 20-Year Fixed Conventional 6.500%0.00%6.656%$1118.36
Purchase: 15-Year Fixed Conventional 6.125%0.00%6.276%$1275.94
Rates are effective as of 02/23/2024. 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 at any time.
*Payment example does not include taxes and insurance premium(s). Actual payment obligation can be greater. The APR is based on $150,000 loan amount, unless otherwise noted.
Rate quotes reflect 30 day rate lock and expire at 3pm Central Time daily.
Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 760 and 75% loan to value (ltv).
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 $766,550 for a single-family home in most states.


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TermRatePointsAPR*Payment Example
Refinance: 30-Year Fixed Conventional $766550 or less6.375%0.00%6.449%$4782.43
Refinance: 30-Year Fixed Conventional $150000 or less6.125%0.00%6.251%$ 911.42
Refinance: 20-Year Fixed Conventional 6.500%0.00%6.672%$1118.36
Refinance: 15-Year Fixed Conventional 6.125%0.00%6.276%$1275.94
Rates are effective as of 02/23/2024. 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 at any time.
*Payment example does not include taxes and insurance premium(s). Actual payment obligation can be greater. The APR is based on $150,000 loan amount, unless otherwise noted.
Rate quotes reflect 30 day rate lock and expire at 3pm Central Time daily.
Rates assume owner occupied - primary and secondary residence only, rate/term refinance. Rates are based on minimum credit score of 760 and 75% loan to value (ltv). Rate/Term Refinance Transaction.
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 $766,550 for a single-family home in most states.

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Home Equity Line of Credit

Loan ProgramAnnual Percentage Rate (As Low As)2
Home Equity Line of Credit (HELOC)8.00% APR2
Rates are effective as of 10/1/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.

1Home Equity Line of Credit (HELOC): Minimum $5,000 line of credit required on loan-to-value up to 100%. Subject to underwriting, creditworthiness, and meeting credit criteria.

2Loan annual percentage rates (APR) is based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at the time of the account opening. Qualification for the 8.00% APR requires a 720 credit score or higher, and maximum combined loan-to-value of 75% or less. The annual percentage rate (APR) may vary after the account is opened. Maximum APR 21.00%. The rate will be the Prime Rate as published in the Wall Street Journal on the last business day of each month, plus or minus a margin, with a floor rate as low as 4.00% APR. Closing costs may range from $175-$800, of which, Dupaco to pay up to a maximum of $350. There are no application, annual, maintenance or transaction fees associated with this account, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. Property insurance required.

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Home Equity Loan

TermAnnual Percentage Rate (As Low As) 1
5 Years7.24%
10 Years7.74%
Rates are effective as of 2/01/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 7.24% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $199.17. Over the life of the loan you will pay $1,949.77 in interest. If you borrow 10,000 at 7.74% annual percentage rate (APR) with a 120-month term, your minimum monthly payment obligation would be $119.99. Over the life of the loan, you will pay $4,397.33 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. Home Equity Loan is for a 2nd lien postion only, first mortgage liens do not qualify for this product. 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 Months8.50%
$20,001 - $50,000180 Months8.75%
Rates are effective as of 2/1/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Home Improvement loan payment example for illustrative purposes only: If you borrowed $20,000 at 8.50% annual percentage rate (APR) with a 120-month term, your minimum monthly payment obligation would be $248.09. Over the life of the loan, you will pay $9769.30 in interest.

1 Home Improvement Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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Personal Loan

TermAnnual Percentage Rate (As Low As) 1
24 Months11.24%
36 Months11.49%
48 Months11.99%
Rates are effective as of 1/1/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Personal Loan payment example for illustrative purposes only: If you borrow $5,000 at an 11.49% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $164.85. Over the life of the loan, you will pay $934.28 in interest.
1Personal Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and term. 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 Months7.29
$10,000-24,99948 Months7.59
$10,000-24,99960 Months7.89
$25,000-39,99960 Months7.09
$25,000-39,99972 Months7.34
$25,000-39,99984 Months7.59
$25,000-39,99996 Months8.59
$25,000-39,999120 Months9.59
$40,000+60 Months7.09
$40,000+72 Months7.09
$40,000+84 Months7.34
$40,000+96 Months8.34
$40,000+120 Months9.34
$40,000+180 Months10.04
Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 7.09% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $992.45. Over the life of the loan, you will pay $9546.93 in interest.

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

Rates effective 01/01/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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ATV, Snowmobile, Jet Ski Loans

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
Model Year 2024-2236 Months8.54% APR
Model Year 2024-2248 Months8.54% APR
Model Year 2024-2260 Months8.54% APR
Model Year 2021-2036 Months8.79% APR
Model Year 2021-2048 Months8.79% APR
Model Year 2021-2060 Months8.79% APR
Model Year 2019-1836 Months9.24% APR
Model Year 2019-1848 Months9.24% APR
Model Year 2019-1860 Months9.29% APR
Model Year 2017 and older36 Months12.59% APR
ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 8.54% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $154.04. Over the life of the loan, you will pay $1,742.26 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 9/27/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.

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Have loan questions? Need assistance?

Contact our Consumer Lending department at loans@dupaco.com or give us a call at 800-373-7600, ext. 305.

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