Rates

Accurate as of: 06/06/2013
Rates subject to change without notice.

1 APR = Annual Percentage Rate

2 APY = Annual Percentage Yield

3 The Grow Green Checking Account has a split rate structure. Ex: If you have $26,000 in a Grow Green Checking the first $25,000 will earn APY based on tiers as shown above, the $1,000 remaining will earn 0.00% APY. If qualifications are not met you will earn 0.00% APY on your total balance.

4 The total balance (including dividends and initial deposit) will be deposited every October 1st into the account you designate at opening. The payout on this date is mandatory.

Type Features APR 1 APY 2
Savings Minimum Balance of $25 0.15% 0.15%
Christmas Club 4 Automatic Deposit to Savings or Checking on Oct. 1 0.15% 0.15%
Vacation Club No Minimum Balance 0.15% 0.15%
Club Account Save for college, taxes, insurance, etc. 0.15% 0.15%
Money Market Balances of $100,000 and above 0.45% 0.45%
Balances of $50,000 – $99,999.99 0.35% 0.35%
Balances of $25,000 – $49,999.99 0.30% 0.30%
Balances of $1,000 – $24,999.99 0.20% 0.20%
Balances of $999.99 and under 0.00% 0.00%
IRA Account Balances of $1,000 and above 0.25% 0.25%
Balances of $999.99 and under 0.15% 0.15%
Rewards Checking No Minimum Balance 0.00% 0.00%
Grow Green Checking 3 Tier II 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly 2.75% 2.78%
Tier I 10 Debit Transactions Monthly 1.25% 1.26%
Any Balance, Requirements NOT met 0.00% 0.00%
Certificate
(6 months/182 days)
Minimum Balance of $500 0.35% 0.35%
Certificate
(1 year/12 months)
Minimum Balance of $500 0.45% 0.45%
Certificate
(1.5 years/18 months)
Minimum Balance of $500 0.60% 0.60%
Certificate
(2 years/24 months)
Minimum Balance of $500 0.85% 0.85%
Certificate
(2.5 years/30 months)
Minimum Balance of $500 0.95% 0.95%
Certificate
(3 years/36 months)
Minimum Balance of $500 1.10% 1.11%
Certificate
(4 years/48 months)
Minimum Balance of $500 1.35% 1.36%
Certificate
(5 years/60 months)
Minimum Balance of $500 1.55% 1.56%
IRA Certificate
(1 year/12 months)
Minimum Balance of $1,000 0.45% 0.45%
IRA Certificate
(2 years/24 months)
Minimum Balance of $1,000 0.85% 0.85%
IRA Certificate
(2.5 years/30 months)
Minimum Balance of $1,000 0.95% 0.95%
IRA Certificate
(3 years/36 months)
Minimum Balance of $1,000 1.10% 1.11%
IRA Certificate
(4 years/48 months)
Minimum Balance of $1,000 1.35% 1.36%
IRA Certificate
(5 years/60 months)
Minimum Balance of $1,000 1.55% 1.56%
HSA Certificate
(1 year/12 months)
Minimum Balance of $1,000 0.45% 0.45%
HSA Certificate
(2 years/24 months)
Minimum Balance of $1,000 0.85% 0.85%
HSA Certificate
(2.5 years/30 months)
Minimum Balance of $1,000 0.95% 0.95%
HSA Certificate
(3 years/36 months)
Minimum Balance of $1,000 1.10% 1.11%
HSA Certificate
(4 years/48 months)
Minimum Balance of $1,000 1.35% 1.36%
HSA Certificate
(5 years/60months)
Minimum Balance of $1,000 1.55 1.56%


Accurate as of: 04/23/2014
Rates subject to change without notice.

New Vehicles/Motorcycles

1 APR = Annual Percentage Rate

2 There are minimum loan amount requirements for terms of 61 months and greater, please consult your loan officer

Term Minimum APR1 Maximum APR1
0 – 48 Months 1.99% 7.29%
49 – 60 Months 2.49% 7.39%
61 – 72 Months2 2.69% 7.59%
73 – 84 Months2 3.09% 3.59%

Used Vehicles/Motorcycles
(Vehicles 10 model years old and newer)

1 APR = Annual Percentage Rate

2 There are minimum loan amount requirements for terms of 61 months and greater, please consult your loan officer

Term Minimum APR1 Maximum APR1
0 – 48 Months 2.19% 8.29%
49 – 60 Months 2.29% 8.39%
61 – 72 Months2 2.49% 8.59%

New RVs/Boats

Includes Motor Homes and Travel Trailers

1 APR = Annual Percentage Rate

2 There are minimum loan amount requirements for terms of 61 months and greater, please consult your loan officer

Term Minimum APR1 Maximum APR1
0 – 48 Months 3.49% 8.09%
49 – 60 Months 3.99% 8.39%
61 – 72 Months2 4.49% 8.69%
73 – 84 Months2 4.99% 9.19%
85 – 120 Months2 5.99% 10.19%

Used RVs/Boats

Includes Motor Homes and Travel Trailers

1 APR = Annual Percentage Rate

2 There are minimum loan amount requirements for terms of 61 months and greater, please consult your loan officer

Term Minimum APR1 Maximum APR1
0 – 48 Months 3.69% 8.79%
49 – 60 Months 4.19% 8.79%
61 – 72 Months2 4.69% 9.29%

Credit Cards

1APR = Annual Percentage Rate
Maximum Limit is $30,000
Aggregate Credit Card Maximum is $30,000
Type Term Minimum APR1 Maximum APR1
Visa Platinum Open 7.99% 18.00%
MasterCard Platinum Open 8.90% 18.00%

Personal Loans

1APR = Annual Percentage Rate
Type Term Minimum APR1 Maximum APR1
Line of Credit 9.00% 15.25%
Personal, Fixed (Maximum of $30,000) 0 – 24 Months 11.50% 17.75%
25 – 48 Months 12.50% 18.00%


As the leader in the valley for home loans, DCCU wants to help you with your home loan needs. We offer competitive home loan (mortgage) rates and personal service you deserve. Also, we offer up to 30 year terms, reduced paperwork, fast turn-around time, and no complicated loan lingo.




Accurate as of: 06/06/2013
Rates subject to change without notice.

1 APR = Annual Percentage Rate

2 APY = Annual Percentage Yield

Type Features APR1 APY2 Range
Savings Minimum Balance of $25 0.15% 0.15%

1 APR = Annual Percentage Rate

2 APY = Annual Percentage Yield

Type Features APR1 APY2 Range
Checking Balances of $50,000 and above 0.65% 0.65%
Balances of $25,000 – $49,999.99 0.50% 0.50%
Balances of $ 2,500 – $24,999.99 0.25% 0.25%
Balances up to $2,499.99 0.05% 0.05%

1 APR = Annual Percentage Rate

2 APY = Annual Percentage Yield

Type Features APR1 APY2 Range
Money Market Balances of $100,000 and above 0.45% 0.45%
Balances of $50,000 – $99,999.99 0.35% 0.35%
Balances of $25,000 – $49,999.99 0.30% 0.30%
Balances of $ 1,000 – $24,999.99 0.20% 0.20%

1 APR = Annual Percentage Rate

2 APY = Annual Percentage Yield

Type Features APR1 APY2 Range
Certificate
(6 months/182 days)
Minimum balance of $500 0.35% 0.35%
Certificate
(1 year/12 months)
Minimum balance of $500 0.45% 0.45%
Certificate
1.5 years/18 months
Minimum balance of $500 0.60% 0.60%
Certificate
(2 years/24 months)
Minimum balance of $500 0.85% 0.85%
Certificate
(2.5 years/30 months)
Minimum balance of $500 0.95% 0.95%
Certificate
(3 years/36 months)
Minimum balance of $500 1.10% 1.11%
Certificate
(4 years/48 months)
Minimum balance of $500 1.35% 1.36%
Certificate
(5 years/60 months)
Minimum balance of $500 1.55% 1.56%


Accurate as of: 03/2014

Health Savings Account Fees

All other Credit Union charges for other services will apply.

1 Assessed once a year

2 If the account does not have eStatements

Opening Fee $25
Annual Fee1 $25
Annual Fee2 $35

Account Fees

1 Via Home Banking FREE

2 Transaction Fee waived if eStatements utilized

NSF $25/Item
Overdraft Privilege $25/Item
Stop Payment1 $20/Request
Check Printing Prices vary depending on style
Overdraft Transfer $5/Transfer
ATM Network Foreign ATM withdrawal or inquiry2 $0.50
Debit/PIN Transaction FREE

Wire Transfer Fees

An additional charge, up to $10 may apply if member-supplied information is incorrect

1 European Wire surcharges may apply and vary by institution receiving wire

Domestic outgoing $15/Transfer
International outgoing1 $15/Transfer
Incoming Wire FREE
Wire Trace Request or Return $25

Other Service Fees (applicable to all accounts)

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.

1 Via eStatement on Home Banking FREE

2 Fee waived if eStatements utilized

3 After three (3) free per month

4 Depending on size

5 Depending on location

Account Reconciliation $10/Hour
Statement Copy1 $1/Statement
Notary Public and Signature Guarantee FREE
Western Union Quick Cash Prices vary based on amount
Personal Fax $1/Page
Personal Copy $0.10/Page
Return Item $25
Bill Payer via Home Banking2 $6/Month
Stop Payment for Bill Payer Check $20/Check
Check Copy for Bill Payer Check $20/Check
Personal Check Copy $2/Check
Cashiers Checks3 $1/Check
Safe Deposit Box Rental Range from $12-$75/Year4
Safe Deposit Box Key Replacement $6.50/Key
Safe Deposit Box Drilling $85.13-$117.925
Excessive Debit Card/PIN Replacement $5/Request

Share Value

Par Value of One Share $25


140 Lucy Lane P.O. Box 1365, Waynesboro, VA 22980


Federally insured by NCUA