Rates & Fees

Effective July 1, 2017.
Cars, Trucks,Vans,
Motorcycles
& Motor Homes
Term Rates as low as*
New – 2017 Up to 48 months
60 months
72 months
78 months
84 months ($25k min)
1.74%
1.99%
2.49%
2.99%
3.49%
Used 2015-2016 Up to 66 months
72 months
84 months ($20k min)
3.24%
3.49%
3.99%
2012-2014 60 months
72 months
3.49%
4.24%
2009-2011 60 months
66 months
3.74%
4.24%
2008 & Older 48 months
60 months ($10k min)
4.74%
5.24%
Boats/Campers Term Rates as low as*
New – 2017 48 months
60 months
72 months
4.25%
4.25%
4.75%
Used 2014-2016 Up to 60 months
72 months
4.75%
5.00%
2011-2013 60 months
66 months
5.25%
5.50%
2008-2010 48 months
60 months
6.25%
6.50%
2007 & Older 36 months
48 months
60 months
7.75%
8.00%
8.25%
Secured Term Rates as low as*
Share & Certificate Pledged Loans Available upon request 5.90%
Miscellaneous 60 months 9.90%
Personal Loans Term Rates as low as*
Visa Credit Card
7.9%
9.90%
Personal Line of Credit (Overdraft Protection) 9.90% Fixed Rate APR
Mortgage Loans Term Rates as low as*
Fixed & adjustable rate mortgages 20 years maximum Available upon request

*The APR (Annual Percentage Rate) may be as low as indicated. A member’s rate is determined by a credit report. Consult a DCTFCU loan officer for details.

Effective August 21, 2014.
Shares/Savings APY*
Shares .05%
Christmas Club Accounts / Special Savings .025%
Investments APY*
Coverdell Education Savings (formerly Education IRA) (variable rate) 2.27%
Roth & TraditionalAccumulative IRA (variable rate) .40%
Ultimate ($10,000 – 24,999 balance) (variable rate) .12%
Ultimate ($25,000 – 49,999 balance) (variable rate) .15%
Ultimate ($50,000 – 74,999 balance) (variable rate) .20%
Ultimate ($75,000 – & up balance) (variable rate) .25%
Regular Certificates** APY*
91 Days .15%
182 Days .25%
12 Months .25%
18 Months .25%
24 Months .50%
36 Months .60%
48 Months .90%
Roth & Traditional IRA Certificates** APY*
12 Months .25%
18 Months .25%
24 Months .50%
36 Months .60%
48 Months .90%

* APY – Annual Percentage Yield. Rates subject to change. Call for current rates.
** Early withdrawal penalty applies. $500 minimum deposit and balance required.

Effective April 15, 2015
Checking Accounts
Cashiers Check (members) $2.00
Cashiers Check (non-member) $5.00
Wire Out Transfer Fee
Incoming Wire Fee
$15.00
$5.00
Check Cashing (non-member) $5.00
Check Order Contact us for current prices
Check Copy / Research
(includes Cashiers Check research)
$1.00/item
Annual Inactivity Fee $20.00
Stop Payment Order (on us) $27.00
Stop Payment Order (lost or stolen Cashiers Check) $27.00
Stop Payment Release $5.00
Temporary / Starter Checks $5.00/4
Courtesy Protection Fee $27.00
Debit & Credit Cards
Debit Card Monthly Fee $1.50
Debit Card (replacement fee) $6.00
Debit Card (PIN replacement) $2.00
Garnishment / Levy / BU withholding $20.00
NSF Fee for Returned Item $27.00
Overdraft Fee for Paid Item $27.00
Prepaid Cards Contact us for current fees
Returned Unpaid Items $10.00 ($20/day maximum)
External Card Cash Advance Fee $3.00
Withdrawal Fees
Ultimate Account (in excess of 3 per month) $25.00
Christmas Club Account (Jan 1 – Sep 30) $5.00
IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate (early withdrawal) $30.00
Share Certificates
Early Withdrawal $10.00
90-Day, 182-Day, 12 months 60 days loss of interest
18 month thru 48 month 120 days loss of interest
Account Services
Account History/Statement Copy Printout $1.00/month
Account Research $5.00/hour ($2.00 minimum)
Statement Reconciliation $10.00/hour
Safety Deposit Boxes
Annual Fee (3×5) $15.00
Annual Fee (5×5) $20.00
Key Replacement $25.00
Drilling Fee Invoice + $10.00