|
LOAN RATES
Effective April 1, 2008
| New & Used Vehicles - 115% Financing! |
APR*
|
APR*
|
APR*
|
APR*
|
| Term |
Platinum
|
Gold
|
Classic
|
Silver
|
| 48 months or less |
3.99%
|
5.00%
|
8.50%
|
10.75%
|
| 49 - 60 months |
4.75%
|
5.25%
|
8.75%
|
11.75%
|
| 61 - 72 months |
5.75%
|
6.25%
|
9.50%
|
NA%
|
| Motorcycles & Recreational Vehicles |
APR*
|
APR*
|
APR*
|
APR*
|
| Term |
Platinum
|
Gold
|
Classic
|
Silver
|
|
48 months or less
|
7.75%
|
8.75%
|
12.50%
|
14.50%
|
|
49 - 60 months or less
|
8.25%
|
9.00%
|
12.75%
|
15.50%
|
| Signature Loans |
APR*
|
APR*
|
APR*
|
APR*
|
| Term |
Platinum
|
Gold
|
Classic
|
Silver
|
|
23 months or less
|
9.25%
|
10.00%
|
14.75%
|
16.25%
|
|
24 - 48 months
|
10.00%
|
10.75%
|
15.25%
|
16.75%
|
| 49 - 60 months |
10.50%
|
11.25%
|
15.75%
|
17.25%
|
| CU Cash & Overdraft Line of Credit: 10.00% Prime plus 5% adjusted quarterly |
| Minimum credit score requirement is 625 |
| Share Secured - Variable Rate: Always 3% above dividend rate |
| Up to amounts in secured account |
| Visa |
APR*
|
Amount
|
Term and/or Payment
|
| VISA Classic |
12.9%
|
$500 to $5,000
|
2.5% of balance
|
| VISA Gold |
12.4%
|
$5,000 to $15,000
|
2.5% of balance
|
| |
| Home Equity Loan - Fixed |
APR*
|
Amount
|
|
| Owner Occupied |
Term
|
Rate
|
|
- Loan to Value - 85% or less
|
5 Years
|
6.00%
|
Up to $150,000
|
APPLY NOW!
|
|
10 Years
|
6.50%
|
|
aAAA
|
|
15 Years
|
7.00%
|
|
|
- Loan to Value - 85.1 - 100%
|
5 Years
|
6.50%
|
|
|
|
10 Years
|
7.25%
|
|
APPPLLAFDNAOWERJ |
|
15 Years
|
8.00%
|
|
|
| Vacation/Second Home |
Term
|
Rate
|
|
|
|
12 Years
|
10.00%
|
|
AAAA
|
| |
|
|
|
|
Home Equity Line of Credit
|
Rate
|
|
|
|
|
5.00%
|
Up to $150,000
|
APPLY NOW!
|
| 5/5/Flex |
Term
|
Rate
|
|
|
|
Closed end adjustable, rate home equity
|
5 Year
|
6.25%
|
Up to $150,000
|
|
|
loan. The interest rate will be fixed for the first
|
10 Year
|
6.25%
|
|
|
|
five years and then adjust every five years
|
15 Year
|
6.25%
|
|
|
|
there after until the end of the term.
|
20 Year
|
6.25%
|
|
|
| First Mortgage |
Click here for rates
or call our Mortgage Department Directly at:
800-472-9421
|
| |
|
Notes:
Members can receive a .10% rate reduction for loan payments made via payroll deduction on New & Used Auto Loan, Motorcycle & Recreational Vehicle loan and Signature loans.
*APR = Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Rates are subject to change.
+Home Equity Line of Credit: All credit union rates and terms are based upon evaluation of applicant(s) credit. Your actual rate and margin may vary. The Annual Percentage Rate (APR) for these variable rate products is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 18%. Homeowner's insurance is required.
|
Auto Loan Payment Examples
|
| |
|
$15,000 at 3.99% APR =~ $338.74 for 48 months
|
|
$20,000 at 4.75% APR =~ $375.26 for 60 months
|
|
$25,000 at 5.75% APR =~ $411.50 for 72 months
|
| |
|
Signature Loan Payment Examples
|
| |
|
$5,000 at 9.25% APR =~ $159.60 for 36 months
|
|
$10,000 at 10.00% APR =~ $253.66 for 48 months
|
|
$15,000 at 10.50% APR =~ $322.44 for 60 months
|
| |
|
Fixed Rate Home Equity Payment Examples
|
| |
|
$10,000 at 6.00% APR =~ $193.44 for 60 months
|
|
$20,000 at 6.50% APR =~ $227.24 for 120 months
|
|
$30,000 at 7.00% APR =~ $269.82 for 180 months
|
| |
SAVINGS RATES
Effective July 1, 2008
| Regular Share |
BALANCE
|
APR* |
APY** |
| |
< $100.00 |
0.00% |
0.00% |
| Dividends are calculated based on average daily balance, paid and compounded monthly. $5.00 minimum balance required. Access via AUDIO RESPONSE, ATM Plus and Exchange. Direct Deposit and payroll deduction available. Dividend rate declared and paid monthly. |
>= $100.00 -$999.99 |
0.25% |
0.25% |
| >=1,000.00 |
0.50% |
0.50% |
| Share Draft (Checking) |
APR* |
APY** |
| Dividends are calculated based on average daily balance, paid and compounded monthly. No minimum balance required. Access via AUDIO RESPONSE, ATM Plus and Exchange. Direct Deposit and payroll deduction available. Dividend rate declared and paid monthly. |
5 free ATM transactions in lieu of dividend
|
0.00% |
0.00% |
| Club Accounts |
APR* |
APY** |
| Dividends are calculated based on average daily balance, paid and compounded monthly. $5.00 minimum balance required. Direct Deposit and payroll deduction available. Dividend rate declared and paid monthly. |
>= $100.00 |
0.50% |
0.50% |
| Traditional, Roth and Educational IRA Share |
APR* |
APY** |
| Dividends are calculated based on average daily balance, paid and compounded monthly. Yearly contributions of $3000 may be deposited ($2000 for education IRA). Contributions may be tax deductible. Early withdrawals may be subject to IRS penalties. Rollovers and transfers accepted. Dividend rate declared and paid monthly. |
|
2.00% |
2.02% |
| Money Market |
AVERAGE DAILY BALANCE |
APR* |
APY** |
| |
< $100 - $2,499.99 |
0.25% |
0.25% |
| Dividends are calculated based on average daily balance, paid and compounded monthly. 6 transactions/withdrawals allowed monthly. Dividend rate declared and paid monthly. |
$2,500 - $19,999.99 |
1.50% |
1.51% |
| $20,000 - $74,999.99 |
1.75% |
1.76% |
| $75,000 and over |
2.00% |
2.02% |
| |
|
|
| Regular & IRA Certificates of Deposit |
TERM |
MIN DEPOSIT |
APR* |
APY** |
| Interest is calculated daily, paid and compounded monthly. Early IRA withdrawals may be subject to IRS penalties. Early withdrawals also subject to DVA FCU penalties. Rollovers and transfers accepted. Certificate rates subject to change weekly. |
6 - 11 months |
$500 |
2.75% |
2.79% |
| 12 - 23 months |
$500 |
3.10% |
3.14% |
| 24 - 35 months |
$500 |
3.50% |
3.56% |
| 36 - 47 months |
$500 |
3.60% |
3.66% |
| 48 - 59 months |
$500 |
3.80% |
3.87% |
| 60 months |
$500 |
4.00% |
4.07% |
| Bump Up Certificate (48 - 60 month options only) |
TERM |
MIN DEPOSIT |
APR* |
APY** |
|
Dividends are calculated based on the average daily balance, paid and compounded monthly. Penalties may apply for early withdrawal. Receive a .25% bonus on certificates with terms of 24 months and longer when you deposit a minimum of $50,000.
|
48 - 59 months |
$500 |
3.80% |
3.87% |
| 60 months |
$500 |
4.00% |
4.07% |
| |
|
|
|
| |
|
|
|
| Build Your Certificate (12 - 36 month options only) |
TERM |
MIN DEPOSIT |
APR* |
APY** |
|
Dividends are calculated based on the average daily balance, paid and compounded monthly. Penalties may apply for early withdrawal.
|
12 months |
$250 |
3.10% |
3.14% |
| 24 months |
$250 |
3.50% |
3.56% |
| 36 months |
$250 |
3.60% |
3.66% |
| |
|
|
| Bonus Certificate |
TERM |
MIN DEPOSIT |
APR* |
APY** |
|
Dividends are calculated based on the average daily balance, paid and compounded monthly. Penalties may apply for early withdrawal.
|
24-35
months |
$50,000 |
3.75% |
3.82% |
|
36-47
months
|
$50,000 |
3.85% |
3.92% |
| 48-59 months |
$50,000 |
4.05% |
4.13% |
| 60 months |
$50,000 |
4.25% |
4.33% |
Special Notes:
A) Receive a 1/4% (25 Basis Point) bonus on certificates with a term of 24 months or longer when depositing a minimum of $50,000.
B) Build Your CD Certificate - Make multiple deposits on 12, 24 and 36 month certificates -Set up a payroll deduction! Deposit your tax refund check! Minimum opening deposit is only $250.00!
C) Bump Up Your Rate Certificate - provides you with the option to bump up your rate one time to the current rate at the time of request. This applies to certificates opened after 2/1/06 with terms starting at 48 months or greater.
*APR= Annual Percentage Rate
**APY = Annual Percentage Yield
Schedule of Fees
Effective April 1, 2006
|
Share Draft (Checking) Account
|
|
Returned Item/Overdraft Privilege
|
$25.00
|
|
Stop Payment
|
$15.00
|
|
Photocopy of draft (check)
|
$5.00
|
|
Cancelled Drafts Returned with Statement
|
$3.00
|
|
ATM/Visa Debit Card Services
|
|
Lost Card Replacement
|
$5.00
|
|
ATM Overdraft
|
$25.00
|
|
Transactions at DVA FCU Owned ATMs
|
FREE
|
|
Transactions at other ATMs (first 5 free)
|
$1.00
|
|
Inquiries at other ATMs
|
$1.00
|
|
General Fees
|
|
Wire Transfer (Outgoing)
|
$15.00
|
|
Wire Transfer (Incoming)
|
FREE
|
|
Wire Transfer (Overseas)
|
$40.00
|
|
American Express Travelers Cheques
|
1% of total
|
|
Money Orders
|
$1.00
|
|
Cashiers Check
|
$5.00
|
|
Dormant Account
|
$5.00/Month
|
|
Bad Address
|
$5.00
|
|
Duplicate Statement
|
$5.00
|
|
Account History Printout
|
$.25 per 1/3 page
|
|
Account Research
|
$25.00/Hour
|
|
Garnishment, Levies & Subpoena
|
$100.00
|
|
Return Deposit & Payment Items
|
$20.00
|
|
Credit Union Checks to Members
|
$5.00 each
|
|
Visa™ Credit Cards
|
|
Annual Fee Visa™ Gold Card
|
FREE
|
|
Annual Fee Visa™ Classic Card
|
FREE
|
|
Cash Advance — Members
|
FREE
|
|
Cash Advance — Non-Members
|
$10.00
|
|
Lost Card Replacement
|
$5.00
|
|
Copy of Credit Card Sales Draft
|
$5.00
|
|
Return Check
|
$25.00
|
|
Late Payment
|
$20.00
|
|
Over the Limit
|
$20.00
|
|
Visa Gift Card
|
$2.50
|
|
Electronic Services
|
|
Home Banking
|
FREE
|
|
Bill Payment
|
| | 
