Rates and Fees
Loan Rates
Effective January 1, 2024.
| Cars, Trucks,Vans, Motorcycles & Motor Homes | Term | Rates as low as * |
|---|---|---|
| 2024-2021 – New & Used – ($25,000 min) | 48 months, 60 months, 72 months, 84 months | 5.50%, 5.75%, 6.00%, 6.50% |
| 2020-2018 | 48 months, 60 months, 72 months | 6.25%, 6.50%, 7.25% |
| 2017-2015 | 48 months, 60 months | 6.75%, 7.00% |
| 2014 & Older | 48 months, 60 months | 7.50%, 7.75% |
| Watercrafts/Campers | Term | Rates as low as * |
|---|---|---|
| 2024-2021 | 60 months, 66 months | 5.50%, 6.00% |
| 2020-2019 | 60 months, 66 months | 6.50%, 7.00% |
| 2018-2013 | 36 months, 48 months | 6.50%, 7.00% |
| Secured | Term | Rates as low as * |
|---|---|---|
| Share & Certificate Pledged Loans | Available upon request | 1.00% |
| Miscellaneous | 36 mo ($0-$2,500), 60 mo ($2,501 +) | 8.40% |
| Personal Loans | Term | Rates as low as * |
|---|---|---|
| Visa Credit Card | -, – | 7.90%, 9.90% |
| Personal Line of Credit (Overdraft Protection) | – | 9.90% Fixed Rate APR |
| Personal Loans | up to 36 mo, up to 90 days | 11.00% APR, 10.90% APR |
| Mortgage Loans | Term | Rates as low as * |
|---|---|---|
| First Mortgage Refinance & Purchase | 15 years – 20 years | 6.50% – 6.75% |
| Fixed 2nd Lien Home Equity | 15 years | 7.00% |
*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 and Investment Rates
Effective January 25, 2024
| Shares/Savings | APY* |
|---|---|
| Shares | .05% |
| Christmas Club Accounts / Special Savings | .025% |
| Investments | APY* |
|---|---|
| Coverdell Education Savings (formerly Education IRA) (variable rate) | 1.0% |
| Christmas Club Accounts / Special Savings | .30% |
| Ultimate ($10,000 – 24,999 balance) (variable rate) | .10% |
| Ultimate ($25,000 – 49,999 balance) (variable rate) | .10% |
| Ultimate ($50,000 – 74,999 balance) (variable rate) | .15% |
| Ultimate ($75,000 – & up balance) (variable rate) | .20% |
| Regular Certificates** | APY* |
|---|---|
| 91 Days | .05% |
| 182 Days | 5.00% |
| 12 Months | 5.00% |
| 18 Months | .20% |
| 24 Months | .20% |
| 36 Months | .30% |
| 48 Months | .30% |
| Roth & Traditional IRA Certificates** | APY* |
|---|---|
| 12 Months | .10% |
| 18 Months | .20% |
| 24 Months | .20% |
| 36 Months | .30% |
| 48 Months | .30% |
SPECIAL CD RATES: new and existing members
6, 12 months – 4.91% APR*/5.00% APY*
* 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 May 16, 2023
| Checking Accounts | – |
|---|---|
| Cashiers Check | $2.00 |
| Wire Out Transfer Fee | $15.00 |
| Incoming Wire Fee | $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/Reissue Fee | $6.00 |
| Mailed Replacement, Instant Issue Replacement | $10.00 |
| Debit Card PIN replacement | $2.00 |
| Garnishment / Levy / BU withholding | $20.00 |
| NSF Fee for Returned Item /(Each time item presents insufficient) | $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 |
| Message Pay Fee | $4.99 |
| 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 & IRA 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 | – |
|---|---|
| Early Withdrawal | $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 |