Auto Loan Rates
| Model Year | 100% Financing APR | Terms | Fixed/Variable
|
2023 or Newer
| 6.25%-15.99%
| Up to 84 months
| Fixed
|
2019-2022
| 6.64%-15.99%
| Up to 84 months
| Fixed
|
2014-2018
| 12.29%-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 2014 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
| Type | 80% 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
As of February 1, 2024
| % Financed | Rate | APR | Margin | Index*
|
| 80% | 8.00% | 8.00% | 3.00% | 5.00%
|
| *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* |
| Regular Share | $5 | $5 | .05%
| .05% |
| All Club Accounts | $5 | $5 | .05%
| .05% |
| Christmas Club | $5 | $5 | .05%
| .05% |
| Traditional IRA | $5 | $5 | .05%
| .05% |
| Roth IRA | $5 | $5 | .05%
| .05% |
| Educational IRA | $5 | $5 | .05%
| .05% |
Money Market Account
| $5 | $5-$4,999.99 | .30%
| .30% |
| $5,000 | $5,000-$9,999.99 | .40% | .40% |
| (Limited check access per month) | $10,000 | $10,000-$24,999.99 | .45% | .45% |
$25,000
| $25,000 - $49,999
| .50%
| .50% |
| $50,000 | $50,000-$99,999.99 | .55% | .55% |
| $100,000 | $100,000 and up | .75% | .75% |
| *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 |
| Term | Dividend Rate | APY* | Dividend Rate | APY* |
90 Days
$100,000 per member maximum | 3.69% | 3.75% | 3.93% | 4.00% |
| 6 Months | 1.14% | 1.15% | 1.29% | 1.30% |
| 12 Months | 1.19% | 1.20% | 1.39% | 1.40% |
| 24 Months | 1.74% | 1.75% | 1.83% | 1.85% |
| 36 Months | 1.98% | 2.00% | 2.08% | 2.10% |
Fee Schedule
| Share Account / Share Draft Account / Electronic Funds Transfer |
| Service/Occurrence | | Fee |
| Overdraft covered by automatic transfer from savings | | $2.00 |
| Temporary checks | includes 8 checks | $4.00
|
| Return unpaid check or EFT | | $27.00
|
| Courtesy clearing per item | | $27.00
|
| 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 cashing | per 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 |
| DBA Account Establishment Fee | | $10.00 |
Visa® Credit Card
| 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 |
| Duplicate Statement | $2.00 |
MasterCard Debit Card
| Service/Occurrence | Fee
|
| CO-OP ATM transactions | FREE
|
| Non-CO-OP ATM transaction | $1.50
|
| Non-CO-OP ATM inquiry fee | $0.50
|
| Non-CO-OP ATM Share transfer fee | $0.50
|
| ATM deposit error | $15.00
|
| Replacement card | $10.00
|
| Rush fee | $40.00
|
Service Fees
| Service/Occurrence | | Fee
|
| Money Orders | $1.00 to $1,000 | $3.00 each
|
| Certified check | per check charge | $5.00
|
| Incoming wire fee | | $10.00 |
| Outgoing wire fee | domestic | $20.00
|
| foreign | $25.00
|
IRA Account (any type)annual admin fee (each)
| | $15.00
|
| Lost/stolen processing of certified check | | $20.00
|
| Domestic Check Collection | non-imageable item | $10.00
|
Foreign check deposit collection fee
| | cost to DVFCU from processing institution |
| Notary Service | Appointment Required | $10.00/signature for DVFCU members.
$15.00/signature for Shared Branch members. |
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
|
| Notary Service | $15.00/signature
|
| Photocopies | $.50 each page
|
| Indemnification Agreement/ Declaration of loss of DVFCU issued check | $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 months | Rate 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.
