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DCCU Routing # 251483311





Rates

View all DCCU rates and fees on lending and savings products.

Rates

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



  • 30 Year Fixed
  • Rate
  • 6.875%
  • APR
  • 6.911%
  • 20 Year Fixed
  • Rate
  • 6.500%
  • APR
  • 6.547%
  • 5/5 ARM
  • Rate
  • 6.125%
  • APR
  • 6.719%
  • 5/1 ARM
  • Rate
  • 6.125%
  • APR
  • 7.215%
  • 3/1 ARM
  • Rate
  • 5.875%
  • APR
  • 7.395%

New Vehicles/Motorcycles

  • 0 - 36 Months
  • Min. APR
  • 4.49%
  • Max. APR
  • 12.39%
  • 37 - 48 Months
  • Min. APR
  • 5.39%
  • Max. APR
  • 13.09%
  • 49 - 60 Months
  • Min. APR
  • 6.29%
  • Max. APR
  • 13.19%
  • 61 - 72 Months
  • Min. APR
  • 6.49%
  • Max. APR
  • 13.39%
  • 73 - 84 Months
  • Min. APR
  • 6.89%
  • Max. APR
  • 8.69%

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
  • 4.99%
  • Max. APR
  • 12.79%
  • 37 - 48 Months
  • Min. APR
  • 5.99%
  • Max. APR
  • 13.99%
  • 49 - 60 Months
  • Min. APR
  • 6.59%
  • Max. APR
  • 14.19%
  • 61 - 72 Months
  • Min. APR
  • 6.79%
  • Max. APR
  • 14.49%

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
  • 6.25%
  • Max. APR
  • 19.50%
  • 25 - 48 Months
  • Min. APR
  • 7.25%
  • Max. APR
  • 20.50%
  • 49 - 60 Months
  • Min. APR
  • 7.75%
  • Max. APR
  • 9.25%


New RVs

Includes Motor Homes and Travel Trailers

  • 0 - 48 Months
  • Min. APR
  • 4.99%
  • Max. APR
  • 15.19%
  • 49 - 60 Months
  • Min. APR
  • 5.49%
  • Max. APR
  • 15.49%
  • 61 - 72 Months
  • Min. APR
  • 5.99%
  • Max. APR
  • 15.79%
  • 73 - 84 Months
  • Min. APR
  • 6.49%
  • Max. APR
  • 16.29%
  • 85 - 120 Months
  • Min. APR
  • 7.49%
  • Max. APR
  • 17.29%

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
  • 5.49%
  • Max. APR
  • 16.29%
  • 49 - 60 Months
  • Min. APR
  • 5.99%
  • Max. APR
  • 16.29%
  • 61 - 72 Months
  • Min. APR
  • 6.49%
  • Max. APR
  • 16.79%

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
  • 13.24%
  • Max. APR
  • 24.24%
  • Cash Back
  • Min. APR
  • 14.24%
  • Max. APR
  • 25.24%
  • Share Secure
  • Min. APR
  • 14.24%
  • Max. APR
  • 21.24%
  • World
  • Min. APR
  • 17.24%
  • Max. APR
  • 28.24%
  • 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
  • 5.40%
  • APY
  • 5.54%
  • $25,000.01 and Above
  • Dividend Rate
  • 0.00%
  • APY
  • 0.00% to 5.54%
  • 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
  • 2.00%
  • APY
  • 2.02%
  • Balances of $50,000 – $99,999.99
  • Dividend Rate
  • 1.50%
  • APY
  • 1.51%
  • 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
  • 4.50%
  • APY
  • 4.59%
  • 1 Year/12 Months
  • Dividend Rate
  • 3.00%
  • APY
  • 3.04%
  • 15 months
  • Dividend Rate
  • 4.25%
  • APY
  • 4.33%
  • 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
  • 4.25%
  • APY
  • 4.33%
  • 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
  • 4.25%
  • APY
  • 4.33%
  • 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
  • 2.00%
  • APY
  • 2.02%
  • Balances of $50,000 – $99,999.99
  • Dividend Rate
  • 1.50%
  • APY
  • 1.51%
  • 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
  • 4.50%
  • APY
  • 4.59%
  • 1 Year/12 Months
  • Dividend Rate
  • 3.00%
  • APY
  • 3.04%
  • 15 months
  • Dividend Rate
  • 4.25%
  • APY
  • 4.33%
  • 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 RentalRange from $12-$75/Year Depending on size
Key Replacement$10/Key
Box Drilling$150-$350

 


Bill Payer

Bill Payer ServiceFree with eStatements $6/month without eStatements
Stop Payment for Bill Payer Check$20/Check
Check Copy for Bill Payer Check$20/Check

 


Account Fees

FeesAmount
NSF$25/Item
Overdraft Privilege$25/Item
Stop Payment$20/Request
Cashiers Checks$1/Check after 3 checks per month free
Check PrintingPrices vary depending on style
Overdraft Transfer$5/Transfer
ATM Network Foreign ATM widthrawal inquiry*$0.50
Debit/PIN TransactionFREE
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.

FeesAmount
Domestic Outgoing*$25/Transfer
$15/Transfer via online banking
International Outgoing**$40/Transfer
Incoming WireFREE
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

FeesAmount
Opening Fee$25
Annual Fee with eStatements$25
Annual Fee without eStatements$35

 


Other

FeesAmount
Excessive Debit Card or PIN Replacement$5/Request
Account Reconciliation$10/Hour
Notary Public and Signature GuaranteeFREE
Personal Check Copy$2/Check
Personal Copy$0.10/Page
Personal Fax$1/Page
Statement Copy$1/Statement