Rates and Fees

Rates & Fees

Loan Rates

Effective January 1, 2020.
Cars, Trucks,Vans,
Motorcycles
& Motor Homes		 Term Rates as low as*
New and Used 2020
New 2019		 Up to 48 months
60 months
72 months
78 months
84 months ($25k min)		 3.74%
3.99%
4.49%
4.99%
5.49%
Used 2018-2019 Up to 66 months
72 months
84 months ($20k min)		 4.49%
4.74%
4.99%
2015-2017 60 months
72 months		 4.74%
5.49%
2012-2014 60 months
66 months		 4.99%
5.49%
2011 & Older 48 months
60 months ($10k min)		 5.99%
6.49%
Boats/Campers Term Rates as low as*
New – 2020 48 months
60 months
72 months		 5.75%
5.75%
6.25%
Used 2016-2019 Up to 60 months
72 months		 6.25%
7.50%
2013-2015 60 months
66 months		 6.75%
7.00%
2010-2012 48 months
60 months		 7.75%
8.80%
2009 & Older 36 months
48 months
60 months		 9.25%
9.50%
9.75%
Secured Term Rates as low as*
Share & Certificate Pledged Loans Available upon request 1.80%
Miscellaneous 36 mo ($0-$2,500)
60 mo ($2,501 +)		 7.40%
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.

Savings & Investment Rates

Effective April 16, 2020
Shares/Savings APY*
Shares .05%
Christmas Club Accounts / Special Savings .025%
Investments APY*
Coverdell Education Savings (formerly Education IRA) (variable rate) 2.78%
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 .20%
12 Months .30%
18 Months .35%
24 Months .40%
36 Months .75%
48 Months 1.00%
Roth & Traditional IRA Certificates** APY*
12 Months 1.61%
18 Months 1.71%
24 Months 1.81%
36 Months 1.91%
48 Months 2.02%

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

Fee Schedule

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
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