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DCCU Routing # 251483311





Rates

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


  • 30 Year Fixed
  • Rate
  • 6.750%
  • APR
  • 6.786%
  • 20 Year Fixed
  • Rate
  • 6.000%
  • APR
  • 6.046%
  • 5/5 ARM
  • Rate
  • 5.000%
  • APR
  • 6.027%
  • 5/1 ARM
  • Rate
  • 5.000%
  • APR
  • 6.538%
  • 3/1 ARM
  • Rate
  • 4.625%
  • APR
  • 6.719%

New Vehicles/Motorcycles

  • 0 - 36 Months
  • Min. APR
  • 1.49%
  • Max. APR
  • 9.79%
  • 37 - 48 Months
  • Min. APR
  • 2.79%
  • Max. APR
  • 10.49%
  • 49 - 60 Months
  • Min. APR
  • 3.69%
  • Max. APR
  • 10.59%
  • 61 - 72 Months
  • Min. APR
  • 3.89%
  • Max. APR
  • 10.79%
  • 73 - 84 Months
  • Min. APR
  • 4.29%
  • Max. APR
  • 10.79%

Used Vehicles/Motorcycles

Vehicles 2014 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
  • 10.39%
  • 37 - 48 Months
  • Min. APR
  • 3.59%
  • Max. APR
  • 10.79%
  • 49 - 60 Months
  • Min. APR
  • 4.19%
  • Max. APR
  • 11.79%
  • 61 - 72 Months
  • Min. APR
  • 4.39%
  • Max. APR
  • 12.09%

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 - 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%

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
  • 10.50%
  • Max. APR
  • 21.75%
  • 0 - 24 Months
  • Min. APR
  • 12.00%
  • Max. APR
  • 21.75%
  • 25 - 48 Months
  • Min. APR
  • 13.00%
  • Max. APR
  • 22.75%

Mastercard Offerings

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

  • Rewards
  • Min. APR
  • 10.99%
  • Max. APR
  • 21.99%
  • Cash Back
  • Min. APR
  • 11.99%
  • Max. APR
  • 22.99%
  • Share Secure
  • Min. APR
  • 11.99%
  • Max. APR
  • 18.99%
  • World
  • Min. APR
  • 14.99%
  • Max. APR
  • 24.99%
  • Business
  • Min. APR
  • 12.99%
  • Max. APR
  • 23.99%

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
  • 3.00%
  • APY
  • 3.04%
  • $25,000.01 and Above
  • Dividend Rate
  • 0.00%
  • APY
  • 0.00% to 3.04%
  • 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
  • 1.00%
  • APY
  • 1.00%
  • Balances of $50,000 – $99,999.99
  • Dividend Rate
  • 0.75%
  • APY
  • 0.75%
  • Balances of $25,000 – $49,999.99
  • Dividend Rate
  • 0.35%
  • APY
  • 0.35%
  • Balances of $1,000 – $24,999.99
  • Dividend Rate
  • 0.25%
  • APY
  • 0.25%
  • 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
  • 3.50%
  • APY
  • 3.55%
  • 1 Year/12 Months
  • Dividend Rate
  • 0.30%
  • APY
  • 0.30%
  • 15 months
  • Dividend Rate
  • 2.60%
  • APY
  • 2.63%
  • 1.5 Years/18 Months
  • Dividend Rate
  • 0.35%
  • APY
  • 0.35%
  • 2 Years/24 Months
  • Dividend Rate
  • 0.45%
  • APY
  • 0.45%
  • 2.5 Years/30 Months
  • Dividend Rate
  • 0.50%
  • APY
  • 0.50%
  • 3 Years/36 Months
  • Dividend Rate
  • 0.55%
  • APY
  • 0.55%
  • 4 Years/48 Months
  • Dividend Rate
  • 0.65%
  • APY
  • 0.65%
  • 5 Years/60 Months
  • Dividend Rate
  • 0.85%
  • APY
  • 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
  • Dividend Rate
  • 0.30%
  • APY
  • 0.30%
  • 15 months
  • Dividend Rate
  • 2.60%
  • APY
  • 2.63%
  • 2 Years/24 Months
  • Dividend Rate
  • 0.45%
  • APY
  • 0.45%
  • 2.5 Years/30 Months
  • Dividend Rate
  • 0.50%
  • APY
  • 0.50%
  • 3 Years/36 Months
  • Dividend Rate
  • 0.55%
  • APY
  • 0.55%
  • 4 Years/48 Months
  • Dividend Rate
  • 0.65%
  • APY
  • 0.65%
  • 5 Years/60 Months
  • Dividend Rate
  • 0.85%
  • APY
  • 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
  • Dividend Rate
  • 0.30%
  • APY
  • 0.30%
  • 15 months
  • Dividend Rate
  • 2.60%
  • APY
  • 2.63%
  • 2 Years/24 Months
  • Dividend Rate
  • 0.45%
  • APY
  • 0.45%
  • 2.5 Years/30 Months
  • Dividend Rate
  • 0.50%
  • APY
  • 0.50%
  • 3 Years/36 Months
  • Dividend Rate
  • 0.55%
  • APY
  • 0.55%
  • 4 Years/48 Months
  • Dividend Rate
  • 0.65%
  • APY
  • 0.65%
  • 5 Years/60 Months
  • Dividend Rate
  • 0.85%
  • APY
  • 0.85%

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
  • 1.00%
  • APY
  • 1.00%
  • Balances of $50,000 – $99,999.99
  • Dividend Rate
  • 0.75%
  • APY
  • 0.75%
  • Balances of $25,000 – $49,999.99
  • Dividend Rate
  • 0.35%
  • APY
  • 0.35%
  • Balances of $1,000 – $24,999.99
  • Dividend Rate
  • 0.25%
  • APY
  • 0.25%

Business Certificates

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

  • 6 Months/182 Days
  • Dividend Rate
  • 3.50%
  • APY
  • 3.55%
  • 1 Year/12 Months
  • Dividend Rate
  • 0.30%
  • APY
  • 0.30%
  • 15 months
  • Dividend Rate
  • 2.60%
  • APY
  • 2.63%
  • 1.5 Years/18 Months
  • Dividend Rate
  • 0.35%
  • APY
  • 0.35%
  • 2 Years/24 Months
  • Dividend Rate
  • 0.45%
  • APY
  • 0.45%
  • 2.5 Years/30 Months
  • Dividend Rate
  • 0.50%
  • APY
  • 0.50%
  • 3 Years/36 Months
  • Dividend Rate
  • 0.55%
  • APY
  • 0.55%
  • 4 Years/48 Months
  • Dividend Rate
  • 0.65%
  • APY
  • 0.65%
  • 5 Years/60 Months
  • Dividend Rate
  • 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
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