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Auto Loan Rates

Model Year 100% Financing APRTermsFixed/Variable
2017 or Newer
2.49%-15.99%
Up to 84 months
Fixed
2011-2016
2.99%-15.99%
Up to 84 months
Fixed
2007-2010
8.99%-15.99%
Up to 72 months
Fixed
* Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history. Minimum of $15,000 amount financed for 72 months. Minimum of $30,000 financed for 84 months. Vehicles older than 2003 model year will be considered on an exception basis only. Street legal motorcycles will be considered at the above rates.

Personal Loan: Fixed Rate

Maturity APR
12 Months 10.99%
24 Months 11.99%
36 Months 12.99%
48 Months 14.99%
60 Months 15.99%

Motorcycle, RV, & Boat Loans: Fixed Rate

Type80% Financing - APR Terms
RV/Boat under $35,000 7.75% Up to 120 months
RV/Boat over $35,000 8.75% Up to 180 months
Recreational Sports Vehicle 9.75% Up to 60 months
30' Maximum Length

Visa Platinum

Annual Percentage Rate (APR) for Purchases
9.9% - 15.9%
Variable rate based on credit score
Other APRs
Cash Advance APR same as above.
Grace Period for Purchases
25 days
Method of Computing the Balance for Purchases
Average Daily Balance (including new purchases)
Minimum Payment
3% of total new balance or $25, whichever is greater
Annual Fee
None
Minimum Finance Charge
None
Transaction Fee for Purchases…………................. None
Late Payment Fee………………….....................…...$15
The information about the costs of the card described is accurate as of 08/2013.

Home Equity Line of Credit - Variable Rate

07/17/2014
% Financed Rate APR Margin Index*
80% 5.00% 5.00% 3.00% 2.00%
*Auction average of six month Treasury Bill for previous month. These rates adjust on February 1st, May 1st, August 1st and November 1st.

Share Deposit Account Rates

Account Type Minimum to Open Average Daily Balance Dividend Rate* Annual Percentage Yield* Dividend Declaration Date
Regular Share $5$5 .05%
.05% 07/16/2014
All Club Accounts $5$5 .05%
.05% 07/16/2014
Christmas Club $5$5 .05%
.05% 07/16/2014
Traditional IRA $5$5 .05%
.05% 07/16/2014
Roth IRA $5$5 .05%
.05% 07/16/2014
Educational IRA $5$5 .05%
.05% 07/16/2014
Money Market Account
$5$5-$4,999.99 .05%
.05% 07/16/2014
$5,000$5,000-$9,999.99 .05%
.05% 07/16/2014
(Limited check access per month)$10,000 $10,000-$24,999.99 .07% .07% 07/16/2014
$25,000
$25,000 - $49,999

.10%
.10%
07/16/2014
$50,000 $50,000-$99,999.99 .12% .12% 07/16/2014
$100,000 $100,000 and up .15% .15% 07/16/2014
*The dividend rates and Annual Percentage Yields(APY) are the anticipated rates and yields for the current period. These rates are variable and may change at any time after the account is open.

Certificate Account and IRA Account: Fixed Rate

$1,000-$9,999.99 $10,000 and over
TermDividend RateAPY*Dividend RateAPY*Dividend Declaration Date
6 Months.09%.10%.14%.15%07/16/2014
12 Months.14%.15%.19%.20%07/16/2014
24 Months.19%.20%.24%.25%07/16/2014
36 Months.34%.35%.39%.40%07/16/2014

Certificate Account & IRA Certificate: Fixed Rate

Minimum BalanceTermDividend Rate
APY*
07/16/2014
$25,000 3 Months N/A
N/A
N/A

Fee Schedule

Share Account / Share Draft Account / Electronic Funds Transfer
Service/OccurrenceFee
Overdraft covered by automatic transfer from savings $2.00
Temporary checks includes 8 checks $2.00
Return unpaid check or EFT $25.00
Courtesy clearing per item $25.00
Duplicate Statement $2.00
Photocopy of paid check after 2 per statement $3.00
Returned deposit item $20.00
Stop payment order per check or lost/stolen series $20.00
minimim charge $20.00
Written balance verification to 3rd party $10.00
Legal Process Fee (Levy, etc.)
each notice
$20.00
Non-member check cashingper item
$10.00
Inactive account fee (12 months no activity)
per month
$5.00
Reference Letter $10.00
Account closing within 6 months of opening $5.00
Home Banking - e*teller FREE
Bill Payer
This service will be turned off if there is
no bill payment activity for 90 days.
FREE

Visa® Account

Service/Occurrence Fee
Annual fee NONE
Replacement card $20.00
Rush Fee $25.00
Document copy fee $5.00
Return payment fee $25.00
Late payment fee $15.00

ATM Debit / MasterCard

Service/Occurrence Fee
CO-OP ATM transactions FREE
Non-CO-OP ATM transaction $1.25
Non-CO-OP ATM inquiry fee $0.25
Non-CO-OP ATM Share transfer fee $0.25
ATM deposit error $15.00
Replacement card $5.00
Reinstated suspended or revoked ATM card $10.00
Rush fee $40.00

Service Fees

Service/Occurrence Fee
Money Orders $1.00 to $1,000 $2.50 each
Certified check per check charge $5.00
Wire fee domestic $20.00
foreign $25.00
Travelers checks one or two signature $1.00 per $100
gift checks $2.50
IRA Account (any type)annual admin fee (each)
$15.00
Stop payment of certified check (30-day reissue) $20.00
Domestic Check Collection non-imageable item $10.00
Foreign check deposit fee
cost to DVFCU from processing institution
Notary Service (by appointment only) FREE for DVFCU members
Visa Gift Cards $3.95

Shared Branching Fees

Withdrawals - Free Unless withdrawal is made out in the form of a check, $5.00, or rolled coin, $0.25 per roll
Deposits
Up to 15 checks - Free
rolled coin: $0.25 per roll
16 or more items: $.20 per check
Fax Request
$3.00 for the first page
$1.00 for each additional page
Money Orders $3.00 each
Travelers Checks
1% of face value for single signature checks
1.5% of face value for dual signature checks
Notary Service $10 per signature per document
Photocopies $.50 each page
Indemnification (Stop Payment) Agreement $25.00 each
Fees are subject to change.

Share Secured Loan Rates

Up to 60 months:Rate on account securing loan + 2.50% margin
61 or more monthsRate on account securing loan + 3.25% margin

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government.

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