|
|
|
Share Savings & Sub-Share Savings
|
|
Dividend Yields as of March 31, 2008
|
|
Share Balance
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY**
|
|
< $5,000
|
0.80%
|
0.80%
|
Avg. Daily Bal.
|
Quarterly
|
$100.00
|
|
$5,000 to $24,999.99
|
0.95%
|
0.95%
|
Avg. Daily Bal.
|
Quarterly
|
$5,000.00
|
|
$25,000 and above
|
1.20%
|
1.21%
|
Avg. Daily Bal.
|
Quarterly
|
$25,000.00
|
*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18
Minimum opening deposit for share savings account is $5.00
Rate may change after the account is opened. |
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|
Money Market Savings
|
|
Dividend Yields Effective May 1, 2008
|
|
Money Market Balance
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
< $2,500
|
0.000%
|
0.00%
|
Avg. Daily Bal.
|
Monthly
|
None
|
|
$2,500 to $9,999.99
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
$2,500.00
|
|
$10,000 to 24,999.99
|
1.500%
|
1.51%
|
Avg. Daily Bal.
|
Monthly
|
$10,000.00
|
|
$25,000 to $49,999.99
|
2.000%
|
2.02%
|
Avg. Daily Bal.
|
Monthly
|
$25,000.00
|
|
$50,000 and above
|
2.500%
|
2.53%
|
Avg. Daily Bal.
|
Monthly
|
$50,000.00
|
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened. |
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Health Savings Accounts
|
|
Dividend Yields Effective May 1, 2008
|
|
Health Savings Balance
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
< $2,500
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
None
|
|
$2,500 to $9,999.99
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
$2,500.00
|
|
$10,000 to 24,999.99
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
$10,000.00
|
|
$25,000 to $49,999.99
|
1.500%
|
1.51%
|
Avg. Daily Bal.
|
Monthly
|
$25,000.00
|
|
$50,000 and above
|
2.500%
|
2.53%
|
Avg. Daily Bal.
|
Monthly
|
$50,000.00
|
|
*APY = Annual Percentage Yield
Minimum opening deposit of $10.00
$2.00 monthly service fee if balance is less than $1,000.00
Rate may change after the account is opened.
|
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IRA Savings, Club and Escrow Accounts
|
|
Dividend Yields as of March 31, 2008
|
|
Account Type
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
IRA
|
3.50%
|
3.55%
|
Avg. Daily Bal.
|
Quarterly
|
No Minimum
|
|
Christmas Club
|
1.00%
|
1.00%
|
Avg. Daily Bal.
|
Quarterly
|
No Minimum
|
|
Vacation Club
|
1.00%
|
1.00%
|
Avg. Daily Bal.
|
Quarterly
|
No Minimum
|
|
Escrow
|
0.80%
|
0.80%
|
Avg. Daily Bal.
|
Quarterly
|
No Minimum
|
|
*APY = Annual Percentage Yield
Rate may change after the account is opened.
|
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Checking Account
|
|
Dividend Yields as of March 31, 2008
|
|
Relationship Checking Account Balance*
|
Dividend Rate
|
APY**
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
<$1,000
|
0.00%
|
0.00%
|
Avg. Daily Bal.
|
Quarterly
|
None
|
|
$1,000 to $9,999.99
|
0.25%
|
0.25%
|
Avg. Daily Bal.
|
Quarterly
|
$1,000.00
|
|
$10,000 and above
|
0.50%
|
0.50%
|
Avg. Daily Bal.
|
Quarterly
|
$10,000.00
|
|
*Value Checking accounts do not earn dividends on any balance
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.00
Rate may change after the account is opened.
|
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|
High Yield Checking
|
|
Dividend Yields Effective May 1, 2008
|
|
High Yield Checking Balance
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
< $2,500
|
0.000%
|
0.00%
|
Avg. Daily Bal.
|
Monthly
|
None
|
|
$2,500 to $9,999.99
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
$2,500.00
|
|
$10,000 to $24,999.99
|
0.500%
|
0.50%
|
Avg. Daily Bal.
|
Monthly
|
$10,000.00
|
|
$25,000 to $49,999.99
|
1.500%
|
1.51%
|
Avg. Daily Bal.
|
Monthly
|
$25,000.00
|
|
$50,000 and above
|
2.500%
|
2.53%
|
Avg. Daily Bal.
|
Monthly
|
$50,000.00
|
|
*APY = Annual Percentage Yield
Minimum opening deposit of $25,000.00
Rate may change after the account is opened.
|
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|
Business Share Savings
|
|
Dividend Yields as of March 31, 2008
|
|
Tier Balance
|
Dividend Rate
|
APY**
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
<$5,000
|
0.80%
|
0.80%
|
Avg. Daily Bal.
|
Quarterly
|
$100.00
|
|
$5,000 to $24,999.99
|
0.95%
|
0.95%
|
Avg. Daily Bal.
|
Quarterly
|
$5,000.00
|
|
$25,000 and above
|
1.20%
|
1.21%
|
Avg. Daily Bal.
|
Quarterly
|
$25,000.00
|
|
*APY = Annual Percentage Yield
Rate may change after the account is opened.
|
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|
Relationship Business Checking Account
|
|
Dividend Yields as of March 31, 2008
|
|
Tier Balance
|
Dividend Rate
|
APY*
|
Dividends Paid On
|
Dividends Paid
|
Minimum Balance to Receive APY
|
|
< $2,000
|
0.00%
|
0.00%
|
Avg. Daily Bal.
|
Quarterly
|
None
|
|
$2,000 to $9,999.99
|
0.25%
|
0.25%
|
Avg. Daily Bal.
|
Quarterly
|
$2,000.00
|
|
$10,000 to $49,999.99
|
0.50%
|
0.50%
|
Avg. Daily Bal.
|
Quarterly
|
$10,000.00
|
|
$50,000 and above
|
0.75%
|
0.75%
|
Avg. Daily Bal.
|
Quarterly
|
$50,000.00
|
|
*APY = Annual Percentage Yield
Minimum opening deposit of $100.00
Rate may change after the account is opened.
|
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|
Certificate of Deposit (CD's)
|
|
Rates Effective April 30, 2008
|
| |
Standard
|
Bring It Home Bonus**
|
Jumbo
|
Bring it Home Jumbo Bonus**
|
|
Dividends Calculated
|
Quarterly
|
Quarterly
|
Quarterly
|
Quarterly
|
|
Dividends Paid
|
Quarterly
|
Quarterly
|
Quarterly
|
Quarterly
|
|
Minimum Opening Deposit
|
$1,000.00***
|
$1,000.00***
|
$95,000.00
|
$95,000.00
|
|
|
|
|
|
|
| Term of Certificate |
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
|
6 Months
|
3.06%
|
3.10%
|
3.11%
|
3.15%
|
3.16%
|
3.20%
|
3.21%
|
3.25%
|
|
12 Months
|
3.16%
|
3.20%
|
3.21%
|
3.25%
|
3.26%
|
3.30%
|
3.31%
|
3.35%
|
|
18 Months
|
3.16%
|
3.20%
|
3.21%
|
3.25%
|
3.26%
|
3.30%
|
3.31%
|
3.35%
|
|
24 Months
|
3.26%
|
3.30%
|
3.31%
|
3.35%
|
3.36%
|
3.40%
|
3.41%
|
3.45%
|
|
30 Months
|
3.46%
|
3.51%
|
3.51%
|
3.56%
|
3.56%
|
3.61%
|
3.61%
|
3.66%
|
|
36 Months
|
3.41%
|
3.45%
|
3.46%
|
3.51%
|
3.51%
|
3.56%
|
3.56%
|
3.61%
|
|
48 Months
|
3.41%
|
3.45%
|
3.46%
|
3.51%
|
3.51%
|
3.56%
|
3.56%
|
3.61%
|
|
60 Months
|
3.60%
|
3.65%
|
3.65%
|
3.70%
|
3.70%
|
3.75%
|
3.75%
|
3.80%
|
| |
| Special |
|
|
|
|
| 5 Year Bump-A-Rate**** |
3.65%
|
3.70%
|
3.70%
|
3.75%
|
3.75%
|
3.80%
|
3.80%
|
3.85%
|
|
*APY = Annual Percentage Yield
**Requires a minimum of 50% of purchase to be funds not previously on deposit with DuTrac Community Credit Union.
***Minimum opening deposit of "special" for members over age 21 is $5,000. Minimum opening deposit for members under age 21 is $500.00 with the exception of the specials which requires $1,000.00.
****Bump-A-Rate Special allows you to change your rate one time during the term of the CD. Will automatically renew at a 60-month term and rate at maturity without a "Bump" option.
Early withdrawal penalties may apply.
Rates subject to change without notice.
IRA certificate accounts have the same rates, yields and requirements has those stated in the above table.
|
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|
Motor Vehicles - New & Used Auto & Truck
|
|
Rates As Low As*
|
|
Model Year
|
36 Months
|
48 Months
|
60 Months
|
72 Months
|
|
2008 - 2006
|
4.99%
|
4.99%
|
5.24%
|
5.49%
|
|
2005 - 2004
|
5.49%
|
5.74%
|
5.99%
|
|
|
2003 - 2001
|
6.99%
|
7.24%
|
|
|
|
*Rates are stated as Annual Percentage Rate (APR) and include a 0.25% reduction for automatic payment. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Loans for older models and loans with longer terms, as well as flexible payments, are also available at similar money saving rates.
|
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|
Boat & Travel Trailers
|
|
Rates As Low As*
|
|
Model Year
|
36 Months
|
48 Months
|
60 Months
|
|
2008 - 2006
|
5.24%
|
5.49%
|
5.74%
|
|
2005 - 2003
|
6.74%
|
6.99%
|
|
|
*Rates are stated as Annual Percentage Rate (APR) and include a 0.25% reduction for automatic payment. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Loans for older models and loans with longer terms, as well as flexible payments, are also available at similar money saving rates.
|
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|
Recreational Vehicles
|
|
Rates As Low As*
|
|
Model Year
|
36 Months
|
48 Months
|
60 Months
|
|
2008 - 2006
|
5.99%
|
6.24%
|
6.49%
|
|
2005 - 2003
|
7.74%
|
|
|
|
*Rates are stated as Annual Percentage Rate (APR) and include a 0.25% reduction for automatic payment. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Loans for older models and loans with longer terms, as well as flexible payments, are also available at similar money saving rates.
|
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|
Credit Cards
|
|
Rates Effective 5/3/2008
|
|
Card Type
|
Current Annual Percentage Rate
|
Rate Type
|
|
MasterCard
|
14.90%
|
Fixed
|
|
VISA
|
9.49%
|
Variable*
|
|
VISA Platinum
|
8.49%
|
Variable**
|
|
Business VISA Platinum
|
8.74%
|
Variable***
|
|
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 7.24%. The APR will not be lower than 9.49%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.24%. The APR will not be lower than 7.99%. The effective date of any changes will be on the cycle date in February, May, August and November.
***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
|
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|
Home Equity Loans
|
|
Rates As Low As*
|
|
Equity Plus Line of Credit
|
Rate
|
Type
|
Term
|
|
|
4.99%
|
Variable**
|
Depends on the amount of the loan.
|
|
Equity Plus
|
60 Months
|
84 Months
|
120 Months
|
180 Months
|
|
Fixed Rates As Low As:
|
5.24%
|
5.74%
|
6.24%
|
6.99%
|
|
*Rates are stated as Annual Percentage Rate (APR) and include a 0.25% reduction for automatic payment. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
**Adjusts quarterly. 13 week T-Bill rounded up to the next 1/4% + Margin (Floor = 4.99%, Ceiling = 18%)
Equity Plus Example terms of repayment:
5-year fixed rate home equity loan at the stated rate equals 60 monthly payments of $19.00 per $1,000.00 borrowed.
7-year fixed rate home equity loan at the stated rate equals 84 monthly payments of $14.50 per $1,000.00 borrowed.
10-year fixed rate home equity loan at the stated rate equals 120 monthly payments of $11.24 per $1,000.00 borrowed.
15-year fixed rate home equity loan at the stated rate equals 180 monthly payments of $9.00 per $1,000.00 borrowed.
|
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|
Mortgage Rates
|
|
Real Estate rates are accurate as of the date shown and subject to change without notice.
Some rates may require the payment of points.
Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information.
Rates last updated: May 9, 2008
|
|
Type
|
Term
|
Points
|
Rate
|
Annual Percentage Rate (APR)
|
|
3 Year ARM**
|
30 Years
|
0
|
4.990%
|
4.8759%*
|
|
5 Year ARM**
|
30 Years
|
0
|
5.240%
|
5.0054%*
|
|
15 Year Fixed (Loan Amount $150,000)
|
15 Years
|
.25
|
5.375%
|
5.4836%*
|
|
15 Year Fixed (Loan Amount $200,000)
|
15 Years
|
.25
|
5.375%
|
5.4479%
|
|
30 Year Fixed (Loan Amount $150,000)
|
30 Years
|
0
|
5.875%
|
5.9415%*
|
|
30 Year Fixed (Loan Amount $200,000)
|
30 Years
|
0
|
5.750%
|
5.7943%
|
|
30 Year Fixed (Loan Amount $300,000)
|
30 Years
|
.25
|
5.750%
|
5.7723%
|
|
*APR's are based on a $150,000 purchase loan.
**Rate and APR subject to change after the initial 3 or 5 year fixed period.
Example Terms of Repayment based on loan amount of $120,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $8.28 per $1,000.00 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $5.88 per $1,000.00 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.
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