Rates & Fees
Check out our great rates below!
Subject to change
| Current Loan Rates | APR* |
|---|---|
| Personal/Signature | 7.50% to 16.00% |
| Line of Credit | 7.75% to 9.75% |
| Misc. Collateral | 7.25% to 15.75% |
| Mortgage | Contact DFCU |
| Cars / Trucks 2018-2022 | 5.74% to 14.74% |
| Cars / Trucks 2023-2024 | 5.24% to 14.24% |
| RVs / Boats / ATVs / Motorcycles | 5.24% to 12.74% |
| Older Model (2016 or older) autos, trucks, vans and RVs over seven year models in age | 7.50% to 15.50% |
| Regular Shares | APR* | APY** |
|---|---|---|
| $5.00 to $2,499.99 | 0.05% | 0.05% |
| $2,500.00 to $9,999.99 | 0.10% | 0.10% |
| $10,000.00 and above | 0.10% | 0.10% |
| Money Market Checking | APR* | APY** |
|---|---|---|
| $2,500.00 to $9,999.99 | 0.25% | 0.25% |
| $10,000.00 to $24,999.99 | 0.30% | 0.30% |
| $25,000.00 and above | 0.35% | 0.35% |
| Health Savings Accounts | APR* | APY** |
|---|---|---|
| Less than $3,000.00 | 0.10 % | 0.10% |
| $3,000.00 - $9,999.00 | 0.15% | 0.15% |
| $10,000.00 plus | 0.20% | 0.20% |
| Type of Account | APR* | APY** |
|---|---|---|
| Club Accounts | 0.10% | 0.10% |
| IRA Savings Accounts | 0.40% | 0.40% |
Fee Schedule
| Share Draft Account Fees | |
|---|---|
| O/D Share Transfer | $4.00 |
| NSF | $30.00/Item |
| Returned Payment | $30.00/Item |
| O/D Courtesy Pay | $30.00/Item | Money Market Checking Account Fees |
| Minimun Balance | $20.00/Month if minimum daily balance is not met | EFT Fees |
| ACH Overdraft | $30.00 |
| ATM Transaction From Shares | $1.00 For each ATM transaction |
| Debit Card | $5.00/Card |
| ATM/Debit Card Replacement | $10.00/Card |
| ATM Balance Inquiry Fee | $0.50/Inquiry |
| ACH Origination Change Fee | $5.00 | Other Service Fees |
| Account Reconciliation | $20.00/Hour |
| Account Research | $20.00/Hour |
| Cashier's Check | $5.00/Check |
| Western Union | $25.00/Transfer |
| Bank Wire | $25.00/Transfer |
| Incoming Wire Fee | $10.00 |
| Returned Mail | $5.00 |
| Visa Gift Cards | $2.00 |
| In-House Loan Refinance | 1.50% |
| Skip-A-Pay | $30.00 |
| Late Loan Payment | $25.00 After 15 Days |
| FedEx Overnight (Weekday) | $20.00 |
| FedEx Overnight (Weekend) | $30.00 |
| Check Cashing (Non-member) | $5.00 |
| Check Printing | Prices vary depending on style |
| Excessive Share Withdrawal | $5.00 Allowed six per quarter |
| Excessive Club Withdrawal | $15.00 |
| Dormant Fee (Inactive Accounts over one year) | $5.00/Month |
| Escheatment Fee | $30.00 |
| Garnishment/Levy | $100.00 |
| Statement Copies | $5.00/Statment |
| Corporate Check Fee | $1.00 |
| International Check Fee | Price may vary depending on country |
| International Currency Fee | Price may vary depending on country (contact credit union) |