Rates Available Effective:
SAVINGS PROGRAMS AND RATES
| |
|
MINIMUM BALANCE (RANGE)
TO EARN STATED DIVIDEND |
DIVIDEND/
INTEREST RATE |
ANNUAL PERCENTAGE YIELD
(APY) |
SHARE SAVINGS,
MEMBER'S CHOICE,
HOLIDAY & VACATION CLUB |
(Rates shown are
prospective rates
for the current quarter) |
$100 - 9,999
$10,000 - 24,999
$25,000 and over |
0.50%
0.75%
0.75% |
0.50%
0.75%
0.75% |
| CHECKING ACCOUNTS |
|
|
0.00% |
0.00% |
| |
TERM |
MINIMUM DEPOSIT |
|
|
| SAVINGS CERTIFICATES |
6 Month |
$1,000 |
1.788% |
1.800% |
| |
6 Month |
$25,000 |
1.887% |
1.900% |
| |
1 Year |
$1,000 |
2.084% |
2.100% |
| |
1 Year |
$25,000 |
2.182% |
2.200% |
| |
18 Month |
$1,000 |
2.280% |
2.300% |
| |
18 Month |
$25,000 |
2.379% |
2.400% |
| |
2 Year |
$1,000 |
2.575% |
2.600% |
| |
2 Year |
$25,000 |
2.673% |
2.700% |
| |
3 Year |
$1,000 |
3.065% |
3.100% |
| |
3 Year |
$25,000 |
3.260% |
3.300% |
| |
4 Year |
$500 |
3.455% |
3.500% |
| |
4 Year |
$25,000 |
3.650% |
3.700% |
| Certificate PLUS |
5 Year |
$500 |
3.990% |
4.050% |
| Certificate PLUS |
5 Year |
$25,000 |
4.232% |
4.300% |
| Certificate PLUS |
7 Year |
$500 |
4.087% |
4.150% |
| Certificate PLUS |
7 Year |
$25,000 |
4.329% |
4.400% |
MONEY MARKET PLUS ACCOUNT
March 2003 |
|
$1,000 - 2,499
$2,500 - 9,999
$10,000 - 24,999
$25,000 - 49,999
$50,000 and over |
0.75%
1.24%
1.64%
1.88%
1.98% |
0.75%
1.25%
1.65%
1.90%
2.00% |
IRA CERTIFICATES
Traditional-Roth-Educational |
18 Month |
$1,000 |
2.280% |
2.300% |
| |
18 Month |
$25,000 |
2.379% |
2.400% |
| |
3 Year |
$500 |
3.065% |
3.100% |
| |
3 Year |
$25,000 |
3.260% |
3.300% |
| IRA Certificate PLUS |
5 Year |
$500 |
3.990% |
4.050% |
| IRA Certificate PLUS |
5 Year |
$25,000 |
4.232% |
4.300% |
IRA VARIABLE RATE SAVINGS
Traditional-Roth-Educational |
|
$100 |
1.50% |
1.51% |
Rates are the Dividend/Interest Rate & corresponding Annual Percentage Yield (APY).
Dividends on share savings, checking & club accounts are based upon available earnings and declared quarterly.
Certificate rates are fixed for the entire term, but rates offered are subject to change weekly. There is a penalty for early withdrawal of principal.
The Certificate PLUS features a one-time option to change the rate to the rate that DFECU offers on the same term certificate on a date that the purchaser chooses. There is a penalty for early withdrawal of principal.
The interest rate on the Money Market Plus account is variable and subject to change monthly. |
LOAN PROGRAMS AND RATES
| |
MODEL YEAR/OTHER INFO |
MAX TERM |
RATE(APR) |
DOWN PMT |
| NEW & USED CARS/TRUCKS/VANS/MOTORCYCLES |
| To 36 Mo
37-66 Mo
67-72 Mo |
As low as 4.74% -
With Discounts, As low as 4.24%.
As low as 4.99% -
With Discounts, As low as 4.49%.
As low as 5.49% -
With Discounts, As low as 4.99%.
|
0-10%
0-10%
0-10%
|
TERMS ON USED CARS, TRUCKS, AND VANS
|
2001-2003
1999-2000
1996-1998
1995 & older |
72 Mo
60 Mo
48 Mo
36 Mo |
1994 or older vehicles
add 2% to rate |
HOME EQUITY LINES-OF-CREDIT
Interest rate variable
NEW - Visa available for easier access! |
Payment:
1.6% of Balance
$50 Minimum |
LTV Up to 90%
LTV 91%-100% | As low as 3.75%
As low as 4.25% |
|
HOME EQUITY CLOSED END LOANS
Interest Rate Fixed |
LTV Up to 90%
LTV 91%-100%
LTV Up to 90%
LTV 91%-100%
|
Terms 12 to 84 Months
Terms 85 to 144 months
| As low as 6.50% -
With discount, As low as 6.25%.
As low as 7.00% -
With discount, As low as 6.75%.
As low as 7.50% -
With discount, As low as 7.25%.
As low as 8.00% -
With discount, As low as 7.75%. |
|
| FIRST MORTGAGE LOANS |
5% Downpayment Required
|
30 Year Fixed
15 Year Fixed | As low as 5.500%
As low as 4.750% |
|
| MOBILE HOMES, RV's, BOATS |
| 120 Mo
121-144 Mo |
As low as 6.25% -
With discount, As low as 5.75%.
As low as 6.75% -
With discount, As low as 6.25%.
|
0-10%
0-10%
| HOME IMPROVEMENT |
|
60 Mo |
As low as 9.50% -
With discount, As low as 9.25%. |
|
| SHARE COVERED |
No Certificates or IRAs |
60 Mo |
6.00% |
|
| OTHER UNSECURED CLOSED END |
|
12 Mo
60 Mo |
As low as 9.50% -
With discount, As low as 9.25%
As low as 10.50% -
With discount,
As low as 10.25%. |
|
| LOC/QUICK DRAW |
Payment; 3% of Balance-$30 Min. |
|
15.00% |
|
VISA PLATINUM
VISA GOLD
VISA CLASSIC |
Payment; 3% of Balance-$20 Min. |
|
9.50%
12.50%
13.80% |
|
| GUARANTEED STUDENT LOANS |
Various Rates and Terms |
|
|
|
| The 0.25% rate discount is available for members who authorize direct deposit or payroll deduction of at least $400 per month AND have a DFECU checking account.
An additional 0.25% rate discount is available on vehicle loans (cars, trucks, vans, mobile homes, boats, RV's, motorcycles) with a 10% downpayment
Home equity lines of credit are variable rate loans, indexed to the prime rate and adjustable quarterly. The maximum rate is 18.0% Annual Percentage Rate (APR).
The rate on all Visa credit cards may increase to 15.0% APR if the minimum payment due is not paid for two consecutive months. |
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Your savings are insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
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