Rates for Fixed Rate Mortgages
30 Yr 3.928% APR 3.875% Rate
20 Yr 3.696% APR 3.625% Rate
15 Yr 3.210% APR 3.125% Rate

View all mortgage rates

Credit Card Rates
MasterCard Platinum 8.90% Min APR
Visa Platinum 7.99% Min APR

New Auto Rates
0 - 48 mos 1.79% Min APR
49 - 60 mos 1.99% Min APR
61 - 72 mos 2.19% Min APR
73 - 84 mos 2.59% Min APR

View all vehicle rates

View All Rates
Section 1

Rates are subject to change without notice

Mortgage Rates Accurate as of 02/26/2015

For a complete list of rates and disclosure information, click here.

APR Rate
DCCU Welcome Home Mortgage

5/1 ARM - 100% financing, 30 yr purchase

 3.602%3.900%
Adjustable Rate Mortgage

5/1 ARM

 2.997%3.125%

3/1 ARM

 2.907%2.875%
Fixed Rate Mortgages

30 Year Fixed

 3.928%3.875%

20 Year Fixed

 3.696%3.625%

15 Year Fixed

 3.210%3.125%

Vehicle Loan Rates Accurate as of: 08/19/2014

Min APR Max APR
New Vehicles/Motorcycles
0 - 48 Months 1.79%7.99%
49 - 60 Months 1.99%8.09%
61 - 72 Months 2.19%8.29%
73 - 84 Months 2.59%8.29%
Used Vehicles/Motorcycles

Vehicles 10 model years old and newer

0 - 48 Months 1.99%8.49%
49 - 60 Months 2.09%8.59%
61 - 72 Months 2.29%8.79%
New RVs/Boats

Includes Motor Homes and Travel Trailers

0 - 48 Months 3.29%8.79%
49 - 60 Months 3.79%9.09%
61 - 72 Months 4.29%9.39%
73 - 84 Months 4.79%9.89%
85 - 120 Months 5.79%10.89%
Used RVs/Boats

Includes Motor Homes and Travel Trailers

0 - 48 Months 3.49%9.49%
49 - 60 Months 3.99%9.49%
61 -72 Months 4.49%9.99%

Personal Loan Rates Accurate as of: 04/23/2014

Min APR Max APR
Line of Credit
9.00%15.25%
Personal Loan

Personal, fixed. Maximum of $30,000

0 - 24 Months 11.50%17.75%
25 - 48 Months 12.50%18.00%

Credit Card Rates Accurate as of: 04/23/2014

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

Min APR Max APR
MasterCard Platinum
8.90%18.00%
Visa Platinum
7.99%18.00%

Checking Rates Accurate as of 06/12/2014

APR APY
Grow Green Checking

Tier II

15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly

 2.75%2.78%
Grow Green Checking

Tier I

10 Debit Transactions Monthly

 1.25%1.27%
Any Balance, Requirements NOT met 0.00%0.00%
Rewards Checking

No Minimum Balance

 0.00%0.00%

Savings Rates Accurate as of: 11/15/2014

APY APR
Savings

Minimum Balance of $5

 0.15%0.15%
Christmas Club

Automatic Deposit to Savings or Checking on Oct. 1

 0.15%0.15%
Club Account

Save for college, taxes, insurance, etc.

 0.15%0.15%
Vacation Club

No Minimum Balance

 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%
Health Savings Account

Minimum Balance of $5

 0.15%0.15%

Certificate Rates Accurate as of: 06/12/2014

APR APY
Certificate

Minimum Balance of $500

6 months/182 days 0.35%0.35%
1 year/12 months 0.45%0.45%
1.5 years/18 months 0.50%0.50%
2 years/24 months 0.75%0.75%
2.5 years/30 months 0.85%0.85%
3 years/36 months 1.00%1.00%
4 years/48 months 1.25%1.26%
5 years/60 months 1.45%1.46%
IRA Certificate

Minimum Balance of $1,000

1 year/12 months 0.45%0.45%
2 years/24 months 0.75%0.75%
2.5 years/30 months 0.85%0.85%
3 years/36 months 1.00%1.00%
4 years/48 months 1.25%1.26%
5 years/60 months 1.45%1.46%
HSA Certificate

Minimum Balance of $1,000

1 year/12 months 0.45%0.45%
2 years/24 months 0.75%0.75%
2.5 years/30 months 0.85%0.85%
3 years/36 months 1.00%1.00%
4 years/48 months 1.25%1.26%
5 years/60 months 1.45%1.46%

Business Rates Accurate as of 6/12/2014

APR APY
Savings

Minimum Balance of $25

 0.15%0.15%
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 $2,499.990

 0.05%0.05%
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%
Certificate

Minimum balance of $500

6 months/182 days 0.35%0.35%
1 year/12 months 0.45%0.45%
1.5 years/18 months 0.50%0.50%
2 years/24 months 0.75%0.75%
2.5 years/30 months 0.85%0.85%
3 years/36 months 1.00%1.00%
4 years/48 months 1.25%1.26%
5 years/60 months 1.45%1.46%

Fees Accurate as of: 03/2014

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.

Charges
Safe Deposit Box
Box Rental Range from $12-$75/Year
Key Replacement $6.50/Key
Box Drilling $85.13-$117.92
Bill Payer

Bill Payer Service

 Free with eStatements
Stop Payment for Bill Payer Check $20/Check
Check Copy for Bill Payer Check $20/Check
Account Fees
NSF $25/Item

Overdraft Privilege

 $25/Item
Stop Payment $20/Request

Check Printing

 Prices vary depending on style
Overdraft Transfer $5/Transfer
ATM Network Foreign ATM withdrawal inquiry $0.50
Debit/PIN Transaction FREE
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
Return Item
$25
Statement Copy
$1/Statement
Western Union Quick Cash
Prices vary based on amount
Wire Transfer Fees

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

Domestic outgoing $15/Transfer
International outgoing $15/Transfer
Incoming Wire FREE
Wire Trace Request or Return $25
Health Savings Account Fees
Opening Fee $25
Annual Fee $25
Annual Fee $35
Routing# 251483311 Local Calls: 540.946.3200 Out of Area Calls: 800.245.8085 140 Lucy Lane | P.O. Box 1365, Waynesboro, VA 22980
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