help desk software

DCCU Routing # 251483311





Rates

Rates accurate as of 02/01/2022. Rates are subject to change without notice.


  • 30 Year Fixed
  • Rate
  • 5.375%
  • APR
  • 5.408%
  • 20 Year Fixed
  • Rate
  • 5.000%
  • APR
  • 5.044%
  • 5/1 ARM
  • Rate
  • 2.990%
  • APR
  • 4.167%
  • 3/1 ARM
  • Rate
  • 2.750%
  • APR
  • 4.339%

New Vehicles/Motorcycles

  • 0 - 36 Months
  • Min. APR
  • 1.49%
  • Max. APR
  • 8.99%
  • 37 - 48 Months
  • Min. APR
  • 2.39%
  • Max. APR
  • 9.69%
  • 49 - 60 Months
  • Min. APR
  • 2.89%
  • Max. APR
  • 9.79%
  • 61 - 72 Months
  • Min. APR
  • 3.09%
  • Max. APR
  • 9.99%
  • 73 - 84 Months
  • Min. APR
  • 3.49%
  • Max. APR
  • 9.99%

Used Vehicles/Motorcycles

Vehicles 2013 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
  • 1.99%
  • Max. APR
  • 9.59%
  • 37 - 48 Months
  • Min. APR
  • 3.19%
  • Max. APR
  • 10.79%
  • 49 - 60 Months
  • Min. APR
  • 3.39%
  • Max. APR
  • 10.99%
  • 61 - 72 Months
  • Min. APR
  • 3.59%
  • Max. APR
  • 11.29%

Used Vehicles/Motorcycles

Vehicles 2012 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
  • 3.00%
  • Max. APR
  • 16.25%
  • 25 - 48 Months
  • Min. APR
  • 4.00%
  • Max. APR
  • 17.25%
  • 49 - 60 Months
  • Min. APR
  • 4.50%
  • Max. APR
  • 6.00%

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%

There are minimum loan amount requirements for terms of 61 months or greater. Please consult your loan officer.


Used RVs

Includes Motor Homes and Travel Trailers 2013 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%
  • Line of Credit
  • Min. APR
  • 9.00%
  • Max. APR
  • 15.25%
  • 0 - 24 Months
  • Min. APR
  • 11.50%
  • Max. APR
  • 17.75%
  • 25 - 48 Months
  • Min. APR
  • 12.50%
  • Max. APR
  • 18.00%

Mastercard Offerings

Maximum Credit Limit is $30,000. Aggregate Credit Limit Maximum is $30,000.

  • Rewards
  • Min. APR
  • 8.24%
  • Max. APR
  • 19.24%
  • Cash Back
  • Min. APR
  • 9.24%
  • Max. APR
  • 20.24%
  • Share Secure
  • Min. APR
  • 9.24%
  • Max. APR
  • 16.24%
  • World
  • Min. APR
  • 12.24%
  • Max. APR
  • 23.24%
  • Business
  • Min. APR
  • 10.24%
  • Max. APR
  • 21.24%

Fees may reduce earnings on your accounts.

  • Grow Checking Tier 2
  • 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
  • APR
  • 1.25%
  • APY
  • 1.26%
  • $25,000.01 and Above
  • APR
  • 0.00%
  • APY
  • 0.00% to 1.26%
  • Grow Checking Tier 1
  • 10 Debit Transaction Monthly
  • APR
  • 0.35%
  • APY
  • 0.35%
  • $25,000.01 and Above
  • 0.00%
  • 0.00% to 0.35%
  • Grow Checking Base Tier
  • Any balance, requirements not met
  • APR
  • 0.00%
  • APY
  • 0.00%
  • Rewards Checking
  • No Minimum Balance
  • APR
  • 0.00%
  • APY
  • 0.00%

Fees may reduce earnings on your accounts.

  • Savings
  • Minimum Balance of $5
  • APR
  • 0.01%
  • APY
  • 0.01%
  • Christmas Club
  • Automatic Deposit to Savings or Checking on Oct. 1
  • APR
  • 0.01%
  • APY
  • 0.01%
  • Club Account
  • Save for college, taxes, insurance, etc.
  • APR
  • 0.01%
  • APY
  • 0.01%
  • Vacation Club
  • No Minimum Balance
  • APR
  • 0.01%
  • APY
  • 0.01%
  • Health Savings Account
  • Minimum Balance of $5
  • APR
  • 0.01%
  • APY
  • 0.01%

Money Market

  • Balances of $100,000 and above
  • APR
  • 0.30%
  • APY
  • 0.30%
  • Balances of $50,000 – $99,999.99
  • APR
  • 0.25%
  • APY
  • 0.25%
  • Balances of $25,000 – $49,999.99
  • APR
  • 0.15%
  • APY
  • 0.15%
  • Balances of $1,000 – $24,999.99
  • APR
  • 0.10%
  • APY
  • 0.10%
  • Balances of $999.99 and under
  • APR
  • 0.00%
  • APY
  • 0.00%

IRA Account

  • Balances of $1,000 and above
  • APR
  • 0.15%
  • APY
  • 0.15%
  • Balances of $999.99 and under
  • APR
  • 0.05%
  • APY
  • 0.05%

Certificates

Minimum Balance of $500. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

  • 6 Months/182 Days
  • APR
  • 0.20%
  • APR
  • 0.20%
  • 1 Year/12 Months
  • APR
  • 0.30%
  • APR
  • 0.30%
  • 1.5 Years/18 Months
  • APR
  • 0.35%
  • APR
  • 0.35%
  • 2 Years/24 Months
  • APR
  • 0.45%
  • APR
  • 0.45%
  • 2.5 Years/30 Months
  • APR
  • 0.50%
  • APR
  • 0.50%
  • 3 Years/36 Months
  • APR
  • 0.55%
  • APR
  • 0.55%
  • 4 Years/48 Months
  • APR
  • 0.65%
  • APR
  • 0.65%
  • 5 Years/60 Months
  • APR
  • 0.85%
  • APR
  • 0.85%

IRA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

  • 1 Year/12 Months
  • APR
  • 0.30%
  • APR
  • 0.30%
  • 2 Years/24 Months
  • APR
  • 0.45%
  • APR
  • 0.45%
  • 2.5 Years/30 Months
  • APR
  • 0.50%
  • APR
  • 0.50%
  • 3 Years/36 Months
  • APR
  • 0.55%
  • APR
  • 0.55%
  • 4 Years/48 Months
  • APR
  • 0.65%
  • APR
  • 0.65%
  • 5 Years/60 Months
  • APR
  • 0.85%
  • APR
  • 0.85%

HSA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

  • 1 Year/12 Months
  • APR
  • 0.30%
  • APR
  • 0.30%
  • 2 Years/24 Months
  • APR
  • 0.45%
  • APR
  • 0.45%
  • 2.5 Years/30 Months
  • APR
  • 0.50%
  • APR
  • 0.50%
  • 3 Years/36 Months
  • APR
  • 0.55%
  • APR
  • 0.55%
  • 4 Years/48 Months
  • APR
  • 0.65%
  • APR
  • 0.65%
  • 5 Years/60 Months
  • APR
  • 0.85%
  • APR
  • 0.85%

Business Checking

Fees may reduce earnings on your accounts.

  • Balances of $50,000 and above
  • 0.40%
  • APR
  • 0.40%
  • Balances of $25,000 - $49,999.99
  • 0.25%
  • APR
  • 0.25%
  • Balances of $2,500 - $24,999.99
  • 0.15%
  • APR
  • 0.15%
  • Balances up to $2,499.990
  • 0.05%
  • APR
  • 0.05%

Business Money Market

Fees may reduce earnings on your accounts.

  • Balances of $100,000 and above
  • 0.30%
  • APR
  • 0.30%
  • Balances of $50,000 - $99,999.99
  • 0.25%
  • APR
  • 0.25%
  • Balances of $25,000 - $49,999.99
  • 0.15%
  • APR
  • 0.15%
  • Balances of $1,000 - $24,999.99
  • 0.10%
  • APR
  • 0.10%

Business Certificates

Minimum balance of $500. Fees may reduce earnings on your accounts.

  • 6 Months/182 Days
  • APR
  • 0.20%
  • APY
  • 0.20%
  • 1 Year/12 Months
  • APR
  • 0.30%
  • APY
  • 0.30%
  • 1.5 Years/18 Months
  • APR
  • 0.35%
  • APY
  • 0.35%
  • 2 Years/24 Months
  • APR
  • 0.45%
  • APY
  • 0.45%
  • 2.5 Years/30 Months
  • APR
  • 0.50%
  • APY
  • 0.50%
  • 3 Years/36 Months
  • APR
  • 0.55%
  • APY
  • 0.55%
  • 4 Years/48 Months
  • APR
  • 0.65%
  • APY
  • 0.65%
  • 5 Years/60 Months
  • APR
  • 0.85%
  • APY
  • 0.85%

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 (Coming Soon)
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