LOAN RATES

Effective July 1, 2010

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 worthiness. Your actual rate may vary. ** Prime Rate is based upon the Wall Street Journal Prime interest rate rounded to the nearest 1/4% (index), plus the applicable margin Current Rate is 3.25%. The maximum rate is 18%. ***Home owners insurance is required on all mortgages products. Floor Rate of 4%

+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, 2010

Regular Share	BALANCE		Rate	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)			Rate	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			Rate	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			Rate	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.			1.75%	1.76%
Money Market	AVERAGE DAILY BALANCE		Rate	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		0.50%	0.50%
	$20,000 - $74,999.99		0.75%	0.75%
	$75,000 and over		1.10%	1.11%
Regular & IRA Certificates	TERM	MIN DEPOSIT	Rate	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 months	$500	1.00%	1.00%
	12 months	$500	1.50%	1.51%
	24 months	$500	1.75%	1.76%
	36 months	$500	2.25%	2.27%
	48 months	$500	2.50%	2.53%
	60 months	$500	2.75%	2.78%

Bonus Certificate	TERM	MIN DEPOSIT	Rate		APY**
Dividends are calculated based on the average daily balance, paid and compounded monthly. Penalties may apply for early withdrawal.	24 months	$50,000	1.85%		1.87%
	36 months	$50,000	2.35%		2.38%
	48 months	$50,000	2.60%		2.63%
	60 months	$50,000	2.85%		2.89%

Special Notes:

2) Fees could reduce earnings on share accounts.

 *APR= Annual Percentage Rate

 **APY = Annual Percentage Yield

Schedule of Fees

Effective January 1, 2010

Share Draft (Checking) Account
Returned Item/Overdraft Privilege	$28.00
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	$28.00
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	$25.00
Credit Union Checks to Members	$10.00 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	$28.00
Late Payment	$25.00
Over the Limit	$25.00
Visa Gift Card	$2.50
Electronic Services
Home Banking	FREE
Bill Payment	FREE
CU Call Telephone Center	FREE