Rates

Rates are effective 04/30/14.

APY = Annual Percentage Yield. Rates may change after accounts are opened. Fees may reduce earnings.

Checking & Savings Rates

ProductMin. Daily Avg. BalanceInterest RateAPY
Share Draft Checking$0.000.00%0.00%
Share Savings

Less than $100.00
$100.01 - $999.99
$1000 or more


0.00%
0.05%
0.05%


0.00%
0.05%
0.05%

Holiday & Vacation Club Accounts$100.00 or more
0.05%0.05%

Investments

ProductTermDaily Avg. Balance/Min. DepositInterest RateAPY
Individual Retirement Accounts¹N/A$0.000.25%0.25%
High Yield Money Market²

N/A
N/A
N/A
N/A


$100.00 - $2,499.99
$2,500.00 - $19,999.99
$20,000.00 - $74,999.99
$75,000.00 or more


0.00%
0.10%
0.15%
0.20%


0.00%
0.10%
0.15%
0.20%

ProductTermDaily Avg. Balance/Min. DepositInterest RateAPY
Regular & IRA Certificates³
6 months$500.000.30%0.30%
12 months$500.000.40%0.40%
24 months$500.000.60%0.60%
36 months$500.000.90%0.90%
48 months$500.001.25%1.26%
60 months$500.001.65%1.66%
Bonus Certificate
24 months$50,000.000.70%0.70%
36 months$50,000.001.00%1.00%
48 months$50,000.001.35%1.36%
60 months$50,000.001.75%1.76%

Dividends are calculated based on average daily balance, paid and compounded monthly. ¹ - 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 - 6 transactions/withdrawals allowed monthly. Dividend rate declared and paid monthly. ³ - 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.

Loan Rates

ProductTermAPR*w/ Auto Pay Discount
Auto Loans
up to 36 monthsAs low as 1.24%As low as 1.14%
37 - 48 monthsAs low as 1.49%As low as 1.39%
49 - 60 monthsAs low as 1.99%As low as 1.89%
61 - 72 monthsAs low as 2.99%As low as 2.89%
73 - 84 monthsAs low as 3.99%As low as 3.89%
Motorcycle Loans
up to 48 monthsAs low as 3.99%N/A
49 - 60 monthsAs low as 4.99%N/A
Signature Loans
12 months or lessAs low as 5.49%N/A
13 - 24 monthsAs low as 6.49%N/A
25 - 36 monthsAs low as 7.49%N/A
37 - 48 monthsAs low as 8.49%N/A
49 - 60 monthsAs low as 9.49%N/A
Boat & RV Loans
48 months or less5.50%N/A
48 - 60 months6.00%N/A
ProductCredit LimitAPR*Payment
Visa - Variable$500 - $20,000As low as 8.74%2.5% of balance

Your actual rate may vary

Mortgage Product Rates

Mortgage
Visit our Mortgage Center for Rates
Home Equity Loan - Fixed5 year10 year15 year
2nd Lien HE Loans
Up to 70% Loan to Value2.250%3.750%4.500%
70.01% - 75% Loan to Value2.500%3.750%4.750%
75.01% - 80% Loan to Value3.000%4.500%5.250%
80.01% - 85% Loan to Value4.000%5.250%6.250%
1st Lien HE loans (no 1st mortgage)
Up to 70% Loan to Value2.250%3.250%4.000%
70.01% - 75% Loan to Value2.350%3.375%4.375%
75.01% - 80% Loan to Value2.500%3.500%4.500%
80.01% - 85% Loan to Value2.750%3.750%4.750%
Home Equity Line of Credit up to $150,000TermAPR
up to 80% Loan to ValueVariableWSJ Prime +0.5%¹
80.01% - 85% Loan to ValueVariableWSJ Prime +1.5%¹

Your actual rate may vary

¹ - Prime Rate is based upon the Wall Street Journal Prime interest rate rounded to the nearest 1/4%(index), plus the applicable margin. Current WSJ Prime Rate is 3.25%. The maximum rate is 18%.

² - Home owners insurance is required on all mortgage products.