Rates
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- Deposits
- Loans
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Savings Account Rates
Share Savings Account
Account Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn Share Savings $25,000+ 0.20% 0.20% $25 $25,000 Share Savings $10,000 - $24,999.99 0.15% 0.15% $25 $10,000 Share Savings $2,500 - $9,999.99 0.10% 0.10% $25 $2,500 Share Savings $100 - $2,499.99 0.10% 0.10% $25 $100 Share Savings $0.00 - $99.99 0.00% 0.00% $25 $0.00 Rates are effective as of 01/06/2026 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.
Bright Savings Online-Only Savings AccountAccount Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn Bright Savings $0.01 - $1,000,000 2.23% 2.25% $0 $0.01 Rates are effective as of 08/13/25 and are subject to change without notice.
1APY = Annual Percentage Yield. The rate is variable and may change after opening the account. APY is accurate as of the last dividend declaration date.
To earn dividends, make sure you're signed up for eStatements. If you are not enrolled in eStatements by the end of the month, you will not receive any dividends.
This account is available exclusively to consumer members. Business, fiduciary, minor, estate, and trust accounts are not eligible. This account must be opened online through Dupaco's Online Application and is limited to one account per Social Security Number (SSN). The Bright Savings Account will be limited to One Million dollars ($1,000,000.00), inclusive of all principal and dividend accruals. Fees could reduce earnings. Rates, terms, and conditions are subject to change at any time.
You-Name-It Savings AccountAccount Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn You Name It Savings $25,000+ 0.20% 0.20% $0.00 $25,000 You Name It Savings $10,000 - $24,999.99 0.15% 0.15% $0.00 $10,000 You Name It Savings $2,500 - $9,999.99 0.10% 0.10% $0.00 $2,500 You Name It Savings $100 - $2,499.99 0.10% 0.10% $0.00 $100 You Name It Savings $0.00 - $99.99 0.00% 0.00% $0.00 $0.00 Rates are effective as of 01/06/2026 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.
Holiday Club Savings AccountAccount Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn Holiday Club Savings $0.01+ 0.20% 0.20% $0.00 $0.01 Rates are effective as of 01/06/2026 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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Money Market Account Rates
Investor’s Choice
Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $100,000+ 0.40% 0.40% $2,500 $100,000 $25,000 - $99,999.99 0.35% 0.35% $2,500 $25,000 $10,000 - $24,999.99 0.30% 0.30% $2,500 $10,000 $2,500 - $9,999.99 0.25% 0.25% $2,500 $2,500 $0.01 - $2,499.99 0.20% 0.20% $2,500 $0.01 Rates are effective as of 01/06/2026 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.
High-Yield SavingsBalance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $1,000,000+ 2.42% 2.45% $50,000 $1,000,000+ $500,000 - $999,999.99 2.23% 2.25% $50,000 $500,000 $250,000 - $499,999.99 2.03% 2.05% $50,000 $250,000 $100,000 - $249,999.99 1.83% 1.85% $50,000 $100,000 $0.01 - $99,999.99 1.49% 1.50% $50,000 $0.01 Rates are effective as of 07/01/2025 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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Term-share certificate Rates
Special
Term Dividend Rate Annual Percentage Yield (APY) Min. to Earn 10 Month Fixed Jumbo Certificate Special 3.86% 3.90%1 $100,000 10 Month Fixed Certificate Special 3.76% 3.80%2 $1,000 25 Month Fixed Jumbo Certificate Special 3.67% 3.70%1 $100,000 25 Month Fixed Certificate Special 3.57% 3.60%2 $1,000 Rates are effective as of 03/03/2026 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.
RegularTerm Dividend Rate Annual Percentage Yield (APY)1 Min. to Earn 60 Month 1.79% 1.80% $1,000 48 Month 1.89% 1.90% $1,000 36 Month 2.09% 2.10% $1,000 30 Month 2.29% 2.30% $1,000 24 Month 2.48% 2.50% $1,000 18 Month 2.68% 2.70% $1,000 12 Month 2.88% 2.90% $1,000 6 Month 3.37% 3.40% $1,000 Rates are effective as of 03/03/2026 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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Retirement Account Rates
Special IRAs
Term Dividend Rate Annual Percentage Yield (APY) Min. to Earn Roth: 10 Month Fixed Jumbo Special 3.86% 3.90%1 $100,000 Traditional: 10 Month Fixed Jumbo Special 3.86% 3.90%1 $100,000 Roth: 10 Month Fixed Special 3.76% 3.80%2 $1,000 Traditional: 10 Month Fixed Special 3.76% 3.80%2 $1,000 Roth: 25 Month Fixed Jumbo Special 3.67% 3.70%1 $100,000 Traditional: 25 Month Fixed Jumbo Special 3.67% 3.70%1 $100,000 Roth: 25 Month Fixed Special 3.57% 3.60%2 $1,000 Traditional: 25 Month Fixed Special 3.57% 3.60%2 $1,000 Rates are effective as of 03/03/2026 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 earnings1
Regular IRAsTerm Dividend Rate Annual Percentage Yield (APY) Min. to Earn Traditional: 60 Months 1.79% 1.80%3 $1,000 Roth: 60 Months 1.79% 1.80%3 $1,000 Traditional: 36 Months 2.09% 2.10%3 $1,000 Roth: 36 Months 2.09% 2.10%3 $1,000 Traditional: 18 Months 2.68% 2.70%3 $1,000 Roth: 18 Months 2.68% 2.70%3 $1,000 Rates are effective as of 03/03/2026 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.
Variable IRAsBalance Dividend Rate Annual Percentage Yield (APY)1 Min. to Earn Traditional: $15,000+ 0.60% 0.60% $15,000 Roth: $15,000+ 0.60% 0.60% $15,000 Traditional: $5,000-$14,999.99 0.50% 0.50% $5,000 Roth: $5,000-$14,999.99 0.50% 0.50% $5,000 Traditional: $0.01 - $4,999.99 0.45% 0.45% $0.01 Roth: $0.01 - $4,999.99 0.45% 0.45% $0.01 Rates are effective as of 07/01/2025 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 Account Rates
Saving Account Rates
Balance Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $25,000+ 0.35% 0.35% $25 $25,000 $10,000 - $24,999.99 0.30% 0.30% $25 $10,000 $2,500 - $9,999.99 0.25% 0.25% $25 $2,500 $0.01 - $2,499.99 0.20% 0.20% $25 $0.01 Rates are effective as of 01/06/2026 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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Checking Account Rates
Free Checking Account
Balance Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn N/A N/A N/A None N/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 AccountBalance Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $100,000+ 0.10% 0.10% None $100,000 $25,000 - $99,999.99 0.10% 0.10% None $25,000 $5,000 - $24,999.99 2.96% 3.00% None $5,000 $0.01 - $4,999.99 0.00% 0.00% None $0.01 Rates are effective as of 07/01/2025 and are subject to change without notice.
1APY= Annual Percentage Yield. Rates are variable and may change after opening the account. APY is accurate as of the last dividend declaration date. Fees could reduce account earnings.
Fees could reduce account earnings.
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Auto Loan Rates
Auto & Motorcycle Loans
Loan Program Term Annual Percentage Rate (As Low As) 1 2023-26 Model Year 60 Months 5.34% APR 2023-26 Model Year 72 Months 5.44% APR 2023-26 Model Year 84 Months 5.54% APR 2021-22 Model Year 60 Months 5.59% APR 2021-22 Model Year 72 Months 5.74% APR 2021-22 Model Year 84 Months 5.99% APR 2017-20 Model Year 60 Months 6.29% APR 2017-20 Model Year 72 Months 6.44% APR 2016 Model Year (and older) 48 Months 8.54% APR Rates are effective as of 1/1/2026. 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 5.34% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $570.72. Over the life of the loan, you will pay $4243.08 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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Credit Card Rates
Platinum Visa
Platinum Credit Card Annual Percentage Rate (APR) Platinum Visa Rate 12.50% - 19.50% APR1 Introductory Balance Transfer Rate 2.90% APR for 6 mos. (after that your rate will be 12.50% - 19.50% APR)2 Rates are effective as of 1/1/2026. 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- $10.00 or 3.00% of the amount of each cash advance, whichever is greater ; 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 1/1/2026 is a variable rate of 12.50% - 19.50%, 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- $10.00 or 3.00% of the amount of each cash advance, whichever is greater; 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.
Rewards VisaRewards Credit Card Annual Percentage Rate (APR) Rewards Visa 15.50% - 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—$10.00 or 3.00% of the amount of each cash advance, whichever is greater; 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
Business Platinum VisaMinimum credit limit: $500
Spending flexibility and a lower rate (in case you carry a balance).Business Platinum Visa Annual Percentage Rate (APR)* Variable Interest Rate 15.50% 1 Rates effective 1/1/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change.
1 Business Platinum Visa Rate: The Interest Rate is variable and may increase in the future. The Interest Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The Interest Rate will never be less than 12.00%. The Interest Rate will never be greater than 21.00%. Any increase in the Interest Rate will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
There is no annual fee. Other fees include: Cash advance fee--$10.00 or 3.00% of the amount of each cash advance, whichever is greater; foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $35.00; returned payment fee--up to $25.00.Business Rewards VisaMinimum credit limit: $1,500
Earn 1 point for every $1 you spend. Redeem your points for cash back, brand-name merchandise, and more!Business Rewards Visa Annual Percentage Rate (APR)* Variable Interest Rate 20.5% 1 Rates effective 1/1/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change.
1 Business Rewards Visa Rate: The Interest Rate is variable and may increase in the future. The Interest Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The Interest Rate will never be less than 17.00%. The Interest Rate will never be greater than 21.00%. Any increase in the Interest Rate will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
There is no annual fee. Other fees include: Cash advance fee--$10.00 or 3.00% of the amount of each cash advance, whichever is greater; foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $35.00; returned payment fee--up to $25.00. -
Home Loan Rates
Home Loans
Term Rate Points APR *Payment Example Mortgage Rate Relief Program for qualified Borrowers *** 5.125% 0.00% 5.196% $ 816.73 Purchase: 30-Year Fixed Conventional $832,750 or less 6.250% 0.00% 6.287% $5127.39 Purchase: 30-Year Fixed Conventional $300,000 or less 6.000% 0.00% 6.061% $1798.65 Purchase: 30-Year Fixed Conventional $200,000 or less 6.000% 0.00% 6.079% $1199.25 Purchase: 30-Year Fixed Conventional $100,000 or less 5.875% 0.00% 6.010% $591.61 Purchase: 20-Year Fixed Conventional 6.000% 0.00% 6.131% $1074.65 Purchase: 15-Year Fixed Conventional 5.625% 0.00% 5.749% $1235.60 Rates are effective as of 04/06/2026. 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 $832750 for a single-family home in most states.
***Mortgage Rate Relief Loan Program for qualifying borrowers with income at or below 80% Area Median Income according to FHFA Underserved Area Data. Purchase Primary residence 1-4 Family dwelling. For available terms, please contact our Mortgage Team at 1.800.373.7600 ext. 204.
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Home Refinance Rates
Home Loan Refinance
Term Rate Points APR *Payment Example Refinance: 30-Year Fixed Conventional $832,750 or less 6.250% 0.00% 6.299% $5127.39 Refinance: 30-Year Fixed Conventional $300,000 or less 6.125% 0.00% 6.198% $1822.83 Refinance: 30-Year Fixed Conventional $200,000 or less 6.000% 0.00% 6.091% $1199.25 Refinance: 30-Year Fixed Conventional $100,000 or less 5.875% 0.00% 6.022% $591.61 Refinance: 20-Year Fixed Conventional 6.000% 0.00% 6.147% $1074.65 Refinance: 15-Year Fixed Conventional 5.625% 0.00% 5.749% $1235.60 Rates are effective as of 03/06/2026. 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 $832750 for a single-family home in most states. For available terms please contact our Mortgage Team at 1.800.383.1700 ext. 204. -
Home Equity Rates
Home Equity Line of Credit
Loan Program Annual Percentage Rate (As Low As)2 Home Equity Line of Credit (HELOC) 6.25% APR2 HELOC Intro Rate 1.99% intro APR for the first 3 months, after that a variable rate as low as 6.25% APR will apply. 4 Rates are effective as of 3/1/2026. 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 6.25% 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.
3Closing 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.
4Intro rate available only for qualifying borrowers with a 675-credit score or higher, up to a max of 85% combined loan-to-value, who open up a new Home Equity Line of Credit. The 1.99% introductory APR expires 3 months after the date the account is opened, at which time the APR will increase to the non-discount variable rate as low as 6.25% APR and 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 the member does not qualify for the introductory rate, then the applicable APR is a variable rate ranging from 8.00% to 10.75% APR based on credit score and combined loan-to-value. Rates and introductory APR are accurate as of 3/1/26 and subject to change. The maximum annual percentage rate that can apply is 21.00% APR or the maximum permitted by law, whichever is less. Closing costs may range from $175-$800 of which Dupaco will pay up to a maximum of $350, however, the credit union may recoup its closing costs up to $350 if the loan is terminated within 30 months of opening. There is no application, annual, maintenance or transaction fees associated with this account. Property insurance is required. This is a limited time offer and expires 7/31/26 and is subject to meeting credit criteria.
Home Equity LoanTerm Annual Percentage Rate (As Low As) 1 5 Years 6.74% 10 Years 7.24% Rates are effective as of 10/01/2025. 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 6.74% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $196.81. Over the life of the loan you will pay $1,808.15 in interest. If you borrow 10,000 at 7.24% annual percentage rate (APR) with a 120-month term, your minimum monthly payment obligation would be $117.38. Over the life of the loan, you will pay $4,084.00 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 position only, first mortgage liens do not qualify for this product. Rates, terms, and conditions are subject to change.
Home Equity LoanTerm Rate Points APR *Payment Example Refinance: 30-Year Fixed Conventional $832750 or less 6.375% 0.00% 6.425% $5195.28 Refinance: 30-Year Fixed Conventional $300000 or less 6.125% 0.00% 6.198% $1822.83 Refinance: 30-Year Fixed Conventional $200000 or less 6.000% 0.00% 6.091% $1199.25 Refinance: 30-Year Fixed Conventional $100000 or less 6.000% 0.00% 6.148% $ 599.63 Refinance: 20-Year Fixed Conventional 6.000% 0.00% 6.147% $1074.65 Refinance: 15-Year Fixed Conventional 5.625% 0.00% 5.749% $1235.60 Rates are effective as of 04/02/2026. 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 $832750 for a single-family home in most states. For available terms please contact our Mortgage Team at 1.800.383.1700 ext. 204.
* The loan-to-value is the mortgage amount divided by the appraised value of the property. -
Home Improvement Loan Rates
Home Improvement Loan
Loan Amount Term Annual Percentage Rate (As Low As)1 $10,000 - $20,000 120 Months 8.50% $20,001 - $50,000 180 Months 8.75% Rates are effective as of 5/20/2024. 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 Rates
Personal Loan
Term Annual Percentage Rate (As Low As) 1 24 Months 9.99% 36 Months 10.49% 48 Months 10.99% 60 Months 12.49% Rates are effective as of 10/22/2024. 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 10.49% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $162.45. Over the life of the loan, you will pay $847.81 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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Recreational Loan Rates
Boat & RV Loans
Loan Amount Term Annual Percentage Rate (As Low As) 1 $10,000-24,999 36 Months 7.29 $10,000-24,999 48 Months 7.59 $10,000-24,999 60 Months 7.89 $25,000-39,999 60 Months 7.09 $25,000-39,999 72 Months 7.34 $25,000-39,999 84 Months 7.59 $25,000-39,999 96 Months 8.59 $25,000-39,999 120 Months 9.59 $40,000+ 60 Months 7.09 $40,000+ 72 Months 7.09 $40,000+ 84 Months 7.34 $40,000+ 96 Months 8.34 $40,000+ 120 Months 9.34 $40,000+ 180 Months 10.04 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.
ATV, Snowmobile & Jet Ski LoansLoan Program Term Annual Percentage Rate (As Low As) 1 Model Year 2026-23 36 Months 8.34% APR Model Year 2026-23 48 Months 8.34% APR Model Year 2026-23 60 Months 8.34% APR Model Year 2022-21 36 Months 8.54% APR Model Year 2022-21 48 Months 8.54% APR Model Year 2022-21 60 Months 8.54% APR Model Year 2020-19 36 Months 8.89% APR Model Year 2020-19 48 Months 8.89% APR Model Year 2020-19 60 Months 8.94% APR ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 8.34% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $153.32. Over the life of the loan, you will pay $1,698.58 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 02/01/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change.
- Student Loan Rates