DCCU Routing # 251483311
Rates
Rates accurate as of 02/01/2022. Rates are subject to change without notice.
- Mortgage
- Auto Loans
- Personal Loans
- Credit Cards
- Checking
- Savings
- Certificates
- Business
- 30 Year Fixed
- Rate
- 7.375%
- APR
- 7.413%
- 20 Year Fixed
- Rate
- 7.125%
- APR
- 7.173%
- 5/5 ARM
- Rate
- 6.375%
- APR
- 6.881%
- 5/1 ARM
- Rate
- 6.375%
- APR
- 7.458%
- 3/1 ARM
- Rate
- 5.625%
- APR
- 7.469%
New Vehicles/Motorcycles
- 0 - 36 Months
- Min. APR
- 3.69%
- Max. APR
- 11.59%
- 37 - 48 Months
- Min. APR
- 4.59%
- Max. APR
- 12.29%
- 49 - 60 Months
- Min. APR
- 5.49%
- Max. APR
- 12.39%
- 61 - 72 Months
- Min. APR
- 5.69%
- Max. APR
- 12.59%
- 73 - 84 Months
- Min. APR
- 6.09%
- Max. APR
- 7.89%
Used Vehicles/Motorcycles
Vehicles 2015 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.
- 0 - 36 Months
- Min. APR
- 3.99%
- Max. APR
- 11.99%
- 37 - 48 Months
- Min. APR
- 5.19%
- Max. APR
- 12.99%
- 49 - 60 Months
- Min. APR
- 5.79%
- Max. APR
- 13.29%
- 61 - 72 Months
- Min. APR
- 5.99%
- Max. APR
- 13.49%
Used Vehicles/Motorcycles
Vehicles 2014 model year and older. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.
- 0 - 24 Months
- Min. APR
- 5.25%
- Max. APR
- 18.50%
- 25 - 48 Months
- Min. APR
- 6.25%
- Max. APR
- 19.50%
- 49 - 60 Months
- Min. APR
- 6.75%
- Max. APR
- 8.25%
New RVs
Includes Motor Homes and Travel Trailers
- 0 - 48 Months
- Min. APR
- 3.29%
- Max. APR
- 8.79%
- 49 - 60 Months
- Min. APR
- 3.79%
- Max. APR
- 9.09%
- 61 - 72 Months
- Min. APR
- 4.29%
- Max. APR
- 9.39%
- 73 - 84 Months
- Min. APR
- 4.79%
- Max. APR
- 9.89%
- 85 - 120 Months
- Min. APR
- 5.79%
- Max. APR
- 10.89%
Used RVs
Includes Motor Homes and Travel Trailers 2014 model year and newer. RVs with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.
- 0 - 48 Months
- Min. APR
- 3.49%
- Max. APR
- 9.49%
- 49 - 60 Months
- Min. APR
- 3.99%
- Max. APR
- 9.49%
- 61 - 72 Months
- Min. APR
- 4.49%
- Max. APR
- 9.99%
Example auto loan payment: 5.49% APR for 36 monthly payments is approximately $30.19 per $1,000 borrowed.
- Line of Credit
- Min. APR
- 12.00%
- Max. APR
- 18.00%
- 0 - 24 Months
- Min. APR
- 13.50%
- Max. APR
- 21.00%
- 25 - 48 Months
- Min. APR
- 14.50%
- Max. APR
- 22.00%
Example personal loan: 12.75% APR for 24 monthly payments is approximately $47.42 per $1,000 borrowed.
Mastercard Offerings
Maximum Credit Limit is $30,000. Aggregate Credit Limit Maximum is $30,000.
- Rewards
- Min. APR
- 12.99%
- Max. APR
- 23.99%
- Cash Back
- Min. APR
- 13.99%
- Max. APR
- 24.99%
- Share Secure
- Min. APR
- 13.99%
- Max. APR
- 20.99%
- World
- Min. APR
- 16.99%
- Max. APR
- 27.99%
- Business
- Min. APR
- 15.24%
- Max. APR
- 26.24%
Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.
- Grow Checking Tier 2
- 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
- Dividend Rate
- 5.00%
- APY
- 5.12%
- $25,000.01 and Above
- Dividend Rate
- 0.00%
- APY
- 0.00% to 5.12%
- Grow Checking Tier 1
- 10 Debit Transaction Monthly
- Dividend Rate
- 0.35%
- APY
- 0.35%
- $25,000.01 and Above
- Dividend Rate
- 0.00%
- APY
- 0.00% to 0.35%
- Grow Base Tier
- Dividend Rate
- 0.00%
- APY
- 0.00%
- Rewards Checking
- Dividend Rate
- 0.00%
- APY
- 0.00%
Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.
- Savings
- Minimum Balance of $5
- Dividend Rate
- 0.01%
- APY
- 0.01%
- Christmas Club
- Automatic Deposit to Savings or Checking on Oct. 1
- Dividend Rate
- 0.01%
- APY
- 0.01%
- Club Account
- Save for college, taxes, insurance, etc.
- Dividend Rate
- 0.01%
- APY
- 0.01%
- Vacation Club
- No Minimum Balance
- Dividend Rate
- 0.01%
- APY
- 0.01%
- Health Savings Account
- Minimum Balance of $5
- Dividend Rate
- 0.01%
- APY
- 0.01%
Money Market
- Balances of $100,000 and above
- Dividend Rate
- 1.50%
- APY
- 1.51%
- Balances of $50,000 – $99,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
- Balances of $25,000 – $49,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
- Balances of $1,000 – $24,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
- Balances of $999.99 and under
- Dividend Rate
- 0.00%
- APY
- 0.00%
IRA Account
- Balances of $1,000 and above
- Dividend Rate
- 0.15%
- APY
- 0.15%
- Balances of $999.99 and under
- Dividend Rate
- 0.05%
- APY
- 0.05%
Certificates
Minimum Balance of $500. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.
- 6 Months/182 Days
- Dividend Rate
- 4.00%
- APY
- 4.07%
- 1 Year/12 Months
- Dividend Rate
- 3.00%
- APY
- 3.04%
- 15 months
- Dividend Rate
- 3.50%
- APY
- 3.56%
- 1.5 Years/18 Months
- Dividend Rate
- 2.10%
- APY
- 2.12%
- 2 Years/24 Months
- Dividend Rate
- 2.15%
- APY
- 2.17%
- 2.5 Years/30 Months
- Dividend Rate
- 2.20%
- APY
- 2.22%
- 3 Years/36 Months
- Dividend Rate
- 2.45%
- APY
- 2.48%
- 4 Years/48 Months
- Dividend Rate
- 2.40%
- APY
- 2.43%
- 5 Years/60 Months
- Dividend Rate
- 2.35%
- APY
- 2.38%
IRA Certificates
Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.
- 1 Year/12 Months
- Dividend Rate
- 3.00%
- APY
- 3.04%
- 15 months
- Dividend Rate
- 3.50%
- APY
- 3.56%
- 2 Years/24 Months
- Dividend Rate
- 2.15%
- APY
- 2.17%
- 2.5 Years/30 Months
- Dividend Rate
- 2.20%
- APY
- 2.22%
- 3 Years/36 Months
- Dividend Rate
- 2.45%
- APY
- 2.48%
- 4 Years/48 Months
- Dividend Rate
- 2.40%
- APY
- 2.43%
- 5 Years/60 Months
- Dividend Rate
- 2.35%
- APY
- 2.38%
HSA Certificates
Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.
- 1 Year/12 Months
- Dividend Rate
- 3.00%
- APY
- 3.04%
- 15 months
- Dividend Rate
- 3.50%
- APY
- 3.56%
- 2 Years/24 Months
- Dividend Rate
- 2.15%
- APY
- 2.17%
- 2.5 Years/30 Months
- Dividend Rate
- 2.20%
- APY
- 2.22%
- 3 Years/36 Months
- Dividend Rate
- 2.45%
- APY
- 2.48%
- 4 Years/48 Months
- Dividend Rate
- 2.40%
- APY
- 2.43%
- 5 Years/60 Months
- Dividend Rate
- 2.35%
- APY
- 2.38%
Business Checking
Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.
- Balances of $50,000 and above
- Dividend Rate
- 0.40%
- APY
- 0.40%
- Balances of $25,000 - $49,999.99
- Dividend Rate
- 0.25%
- APY
- 0.25%
- Balances of $2,500 - $24,999.99
- Dividend Rate
- 0.15%
- APY
- 0.15%
- Balances up to $2,499.990
- Dividend Rate
- 0.05%
- APY
- 0.05%
Money Market
Fees may reduce earnings on your accounts.
- Balances of $100,000 and above
- Dividend Rate
- 1.50%
- APY
- 1.51%
- Balances of $50,000 – $99,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
- Balances of $25,000 – $49,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
- Balances of $1,000 – $24,999.99
- Dividend Rate
- 1.00%
- APY
- 1.00%
Business Certificates
Minimum balance of $500. Fees may reduce earnings on your accounts.
- 6 Months/182 Days
- Dividend Rate
- 4.00%
- APY
- 4.07%
- 1 Year/12 Months
- Dividend Rate
- 3.00%
- APY
- 3.04%
- 15 months
- Dividend Rate
- 3.50%
- APY
- 3.56%
- 1.5 Years/18 Months
- Dividend Rate
- 2.10%
- APY
- 2.12%
- 2 Years/24 Months
- Dividend Rate
- 2.15%
- APY
- 2.17%
- 2.5 Years/30 Months
- Dividend Rate
- 2.20%
- APY
- 2.22%
- 3 Years/36 Months
- Dividend Rate
- 2.45%
- APY
- 2.48%
- 4 Years/48 Months
- Dividend Rate
- 2.40%
- APY
- 2.43%
- 5 Years/60 Months
- Dividend Rate
- 2.35%
- APY
- 2.38%
Fees
For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc.), we offer FREE Printed Checks and Cashiers Checks.
Safe Deposit Box
| Box Rental | Range from $12-$75/Year ⓘDepending on size |
|---|---|
| Key Replacement | $6.50/Key |
| Box Drilling | $85.13-$117.92 |
Bill Payer
| Bill Payer Service | Free with eStatements ⓘ$6/month without eStatements |
|---|---|
| Stop Payment for Bill Payer Check | $20/Check |
| Check Copy for Bill Payer Check | $20/Check |
Account Fees
| Fees | Amount |
|---|---|
| NSF | $25/Item |
| Overdraft Privilege | $25/Item |
| Stop Payment | $20/Request |
| Cashiers Checks | $1/Check after 3 checks per month free |
| Check Printing | Prices vary depending on style |
| Overdraft Transfer | $5/Transfer |
| ATM Network Foreign ATM widthrawal inquiry* | $0.50 |
| Debit/PIN Transaction | FREE |
| Inactivity | $5 per month if an account has no member financial activity in the preceding 12 months and the balance is $100 or less across all subshares. |
*Transaction fee waived if eStatements utilized.
Wire Transfer Fees
An additional charge, up to $10 may apply if member-supplied information is incorrect.
| Fees | Amount |
|---|---|
| Domestic Outgoing* | $25/Transfer $15/Transfer via online banking |
| International Outgoing** | $40/Transfer |
| Incoming Wire | FREE |
| Wire Trace Request or Return | $25 |
*An additional charge, up to $10, may apply if member-supplied information is incorrect.
**European Wire surcharges may apply and vary by institution receiving wire.
Health Savings Account Fees
Minimum Balance of $5
| Fees | Amount |
|---|---|
| Opening Fee | $25 |
| Annual Fee with eStatements | $25 |
| Annual Fee without eStatements | $35 |
Other
| Fees | Amount |
|---|---|
| Excessive Debit Card or PIN Replacement | $5/Request |
| Account Reconciliation | $10/Hour |
| Notary Public and Signature Guarantee | FREE |
| Personal Check Copy | $2/Check |
| Personal Copy | $0.10/Page |
| Personal Fax | $1/Page |
| Statement Copy | $1/Statement |
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
© 2022 DuPont Community Credit Union