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Savings | Checking | Certificates | IRA Accounts | New & Used Auto 2009 -2007
Personal Loan | Mortgage | Balloon Mortgage | Home Equity | Health Savings | Other Loans
Rates effective as of March 9, 2010. Rates subject to change.

Build A Rate
Relationship Rate Adjustments: Your opportunity to add up to .25% 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 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
0.40%
0.50%
0.60% 0.70%
6 mo
0.90%
1.00%
1.11% 1.21%
1 yr
1.41%
1.51%
1.61% 1.71%
18 mo
1.71%
1.81%
1.92% 2.02%
2 yr
2.12%
2.22%
2.32% 2.43%
30 mo
2.43%
2.53%
2.63% 2.73%
3 yr
2.63%
2.73%
2.84% 2.94%

*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
3.51%
3.51%
3.51%
3.51%

Not availabe for Build A Rate Program. Minimum deposit of $1000 required except on youth accounts which is $250. Rate may change after account is opened.

Checking Accounts

Balance
Checking Rewards APY
$5,000+
1.26%
$1,000 to $4,999
.50%
$0 to $999
0.00%

Savings Accounts

Balance
Money Market/IRA Money Market APY
Regular/Club Savings APY
$200,000+
2.12%
0.40%
$100,000 to $199,999
1.81%
0.40%
$25,000 to $99,999
1.21%
0.40%
$10,000 to $24,999
0.60%
0.40%
$100 to $9,999
0.40%
0.30%
$0 to $99
0.00%
0.00%

IRA Accounts

Balance
APY
Min Deposit
$100,000+
2.02%
$5
$50,000 to $99,999
1.71%
$5
$25,000 to $49,999
1.11%
$5
$10,000 to $24,999
0.60%
$5
$100 to $9,999
0.40%
$5
Roth IRA ( 5 Year Variable)
3.51%
$1000

Health Savings Accounts

Balance
APY
$100 to $4,999
1.51%
$5,000+
2.53%
 
All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on accounts.

Vehicle Rates, New and Used 2010 - 2008

Term
Amount
Financed*
Fixed Rate
as low as
Monthly Payment per
$1,000 borrowed
Example Payment
based on
Up to 48 months
100%
5.50% APR
$23.26
48 months
49-60 months
100%
5.50% APR
$19.11
60 months
61-72 months
100%
5.75% APR
$16.46
72 months

Vehicles Rates, Used 2007 - 2005

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
$30.31
36 months
37-48 months
100%
6.00% APR
$23.49
48 months
49-60 months
100%
6.25% APR
$19.45
60 months

Vehicles Rates, Used 2004 - 2003

Term
Amount
Financed*
Fixed Rate
as low as
Monthly Payment per
$1,000 borrowed
Example Payment
based on
Up to 36 months
100%
6.50% APR
$30.65
36 months
37-48 months
100%
6.75% APR
$23.84
48 months

Vehicles Rates, Used 2002-2000

Term
Amount
Financed*
Fixed Rate
as low as
Monthly Payment per
$1,000 borrowed
Example Payment
based on
Up to 36 months
100%
8.25% APR
$31.46
36 months
The Invest in America program provides Illinois Credit Union members with a $500 to $1,000 cash incentive on most new vehicle purchases from Chrysler and GM. DHCU members can participate in the program. Click here for more information.

Personal Loan Rates
Signature/Cosigner Loan
12.25% APR
Share Secured**
2.00% APR
Platinum Visa Credit Card as low as
9.90% APR
Classic Visa as low as
11.90% APR
*Conventional Loan Rates. Interest rates determined by individual credit history.
**
Above certificate/savings rate earned.

Mortgage
All Mortgage rates are applicable as of March 9, 2010 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 as low as
5.375%
5.408%
0
0
$50.73
30 Years as low as
5.125%
5.164%
0
0
$54.45
20 Years as low as
4.875%
4.928%
0
0
$65.31
15 Years as low as
4.375%
4.441%
0
0
$75.86

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
4.750%
4.829%
0
0
$52.16
5 yr as low as
4.625%
4.728%
0
0
$51.41
3 yr as low as
4.500%
4.660%
0
0
$50.67

Home Equity

Term

APR

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
5.50%
Fixed Equity Line of Credit
$100.00
APR may vary.* Per $10,000 borrowed payment based on 15 year amortization.
 
   
Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.
 
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