|
Savings | Checking | Certificates | IRA Accounts | New & Used Auto 2008 -2006
Personal Loan | Mortgage | Balloon Mortgage | Home Equity | Health Savings Account
Rates effective as of May 1, 2008. Rates subject to change.
Build A Rate
Relationship Rate Adjustments: Your opportunity to add up to .30% to our certificate rates
add .10% for existing, active checking account
add .10% for an active direct deposit to any DHCU savings or checking account
add .05% for money market account with $10,000 or more currently on deposit
add .05% for membership relationships 5 years or greater
Term |
APY
<$10,000* |
APY
$10,000-$49,999* |
APY
$50,000-$99,999* |
APY
>$100,000* |
3 mo |
2.85%
|
3.10%
|
3.15%
|
3.20% |
6 mo |
2.95%
|
3.20% |
3.25%
|
3.30% |
1 yr |
3.05%
|
3.30%
|
3.35% |
3.40% |
18 mo |
3.15%
|
3.40%
|
3.45% |
3.51% |
2 yr |
3.20%
|
3.45% |
3.51%
|
3.55% |
30 mo |
3.25%
|
3.51%
|
3.55%
|
3.60% |
3 yr |
3.30%
|
3.55%
|
3.60%
|
3.65% |
*Certificates with relationship amounts specified above. A relationship amount is defined as the total deposits held (excluding checking account balances) within a household address. "Active" is defined as at least one transaction per calendar month. Minimum deposit of $1,000 required except for youth accounts which is $500. A penalty may be imposed for early withdrawal. |
Term |
APY
<$10,000* |
APY
$10,000-$49,999* |
APY
$50,000-$99,999* |
APY
>$100,000* |
5 yr Variable |
4.15%
|
4.15%
|
4.15%
|
4.15% |
| Not availabe for Build A Rate Program. Minimum deposit of $1000 required except on youth accounts which is $250. |
Checking Accounts
Balance |
Checking Rewards APY |
CheckingAdvantage APY |
$5,000+ |
1.25% |
.75% |
$1,000 to $4,999 |
.75% |
.75% |
$100 to $999 |
0.00% |
.75% |
$0 to $99 |
0.00% |
0.00% |
Savings Accounts
Balance |
Money Market APY |
Regular/Club Savings APY |
$200,000+ |
4.00% |
1.00% |
$100,000 to $199,999 |
3.80% |
1.00% |
$25,000 to $99,999 |
3.40% |
1.00% |
$10,000 to $24,999 |
2.80% |
1.00% |
$100 to $9,999 |
1.00% |
0.50% |
$0 to $99 |
0.00% |
0.00% |
IRA Accounts
Balance |
APY
|
Min Deposit |
$100,000+ |
2.75% |
$5 |
$50,000 to $99,999 |
2.50% |
$5 |
$25,000 to $49,999 |
2.00% |
$5 |
$10,000 to $24,999 |
1.50% |
$5 |
$100 to $9,999 |
1.00% |
$5 |
Roth IRA ( 5 Year Variable) |
4.15% |
$1000 |
IRA Money Market
Balance |
APY
|
Min Deposit |
$200,000+ |
4.00% |
$5 |
$100,000 to $199,999 |
3.80% |
$5 |
$25,000 to $99,999 |
3.40% |
$5 |
$10,000 to $24,999 |
2.80% |
$5 |
$100 to $9,999 |
1.00% |
$5 |
Health Savings Accounts
All deposits insured to $100,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details.
Balance
|
APY
|
$100 to $4,999 |
1.50% |
$5,000+ |
2.50%
|
Vehicle Rates, New and Used 2008 - 2006
Term |
Amount
Financed* |
Fixed Rate
as low as |
Monthly Payment per
$1,000 borrowed |
Example Payment
based on |
Up to 48 months |
100% |
5.25% APR |
$23.15 |
48 months |
49-60 months |
100% |
5.50% APR |
$19.11 |
60 months |
61-72 months |
100% |
5.75% APR |
$16.58 |
72 months |
Vehicles Rates, Used 2005 - 2003
Term |
Amount
Financed* |
Fixed Rate
as low as |
Monthly Payment per
$1,000 borrowed |
Example Payment
based on |
Up to 36 months |
100% |
5.75% APR |
$30.54 |
36 months |
37-48 months |
100% |
6.00% APR |
$23.72 |
48 months |
49-60 months |
100% |
6.25% APR |
$19.69 |
60 months |
Vehicles Rates, Used 2002 - 2001
Term |
Amount
Financed* |
Fixed Rate
as low as |
Monthly Payment per
$1,000 borrowed |
Example Payment
based on |
Up to 36 months |
100% |
6.75% APR |
$30.88 |
36 months |
37-48 months |
100% |
7.00% APR |
$24.07 |
48 months |
Vehicles Rates, Used 2000-1998
Term |
Amount
Financed* |
Fixed Rate
as low as |
Monthly Payment per
$1,000 borrowed |
Example Payment
based on |
Up to 36 months |
80% |
8.00% APR |
$31.57 |
36 months |
Personal Loan Rates
|
|
Signature/Cosigner Loan |
12.25% APR |
Share Secured** |
2.00% APR |
Platinum Visa Credit Card as low as |
8.90% APR |
Gold Visa Credit Card as low as |
10.90% APR |
Classic Visa as low as |
10.90% APR |
*Conventional Loan Rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.
Mortgage
All Mortgage rates are applicable as of May 9, 2008 and are subject to change without notice, as often as daily. Rates quoted as of the effective date and may vary with amount of loan and loan-to-value ratio (LTV). Rates quoted based on $100,000 mortgage, at 80% LTV, owner occupied only. "Annualized Percentage Rate" (APR) includes interest, certain fees and points as applicable according to federal law.
Fixed Rate Mortgage
Term
Local Servicing (45 day lock)
|
Rate |
APR |
Points |
Origination |
Monthly Payment
per $10,000 borrowed |
40 Years
|
6.375% |
6.411% |
0 |
0 |
$57.66 |
30 Years |
6.000% |
6.041% |
0 |
0 |
$59.96 |
20 Years
|
5.875% |
5.930% |
0 |
0 |
$70.92 |
15 Years
|
5.500% |
5.568% |
0 |
0 |
$81.71 |
Balloon Mortgage
30 year amortization with 3, 5, or 7 year balloon payment
Term |
Rate |
APR |
Points |
Origination |
Monthly Payment
per $10,000 borrowed |
7 yr as low as |
5.250% |
5.339% |
0 |
0 |
$55.22 |
5 yr as low as |
5.000% |
5.115% |
0 |
0 |
$53.68 |
3 yr as low as |
4.875% |
5.054% |
0 |
0 |
$52.92 |
Home Equity
Term |
|
Type |
Monthly Payment
per $10,000 borrowed |
| HomeAdvantage |
5.25% |
3 yr Fixed |
$80.39* |
rates as low as |
5.50% |
5 yr Fixed |
$81.71* |
|
5.75% |
7 yr Fixed |
$83.04* |
|
6.00% |
10 yr Fixed |
$111.02 |
| EquityAdvantage |
6.00% |
Equity Line of Credit |
$100.00 |
|
