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LOAN RATES/POLICY |
|
LOAN TYPE |
ANNUAL
PERCENTAGE RATE |
TERMS |
| ... |
FROM |
TO |
... |
| SHARE SECURED |
4.00%
6.00% |
|
$500 Minimum/No Maximum
Up to 60 Months
61 Months to Maximum Term 120 Months |
| UNSECURED AND UNSECURED LINE OF CREDIT |
10.90% |
18.00% |
$500 Minimum/$10,000 Maximum
Maximum credit limit is two times monthly gross salary.
Line of Credit Approval Good for 24 Months |
| VISA |
9.90% |
14.90% |
$10,000 Maximum - Line of Credit 15% of annual gross income |
| SHARE DRAFT OVERDRAFT LOAN |
18.00% |
... |
$2,500 Maximum |
| AUTOMOBILES, CURRENT MODEL PLUS 2 / USED AUTOS |
3.90% |
12.90% |
90% of Invoice, Including Tax and License |
|
4.90% |
14.90% |
100% of Invoice, Including Tax and License |
| AUTO EQUITY |
|
See applicable auto loan above. |
| NEW/USED RV |
5.90% |
17.00% |
80% of Purchase Price, Including Tax and License
Provided listed in Kelley Blue Book and loan does not exceed Retail for new and wholesale for used. |
| NEW/USED BOAT |
5.90% |
17.00% |
80% - See New/Used RV for details |
| NEW MOTORCYCLE NEW JET SKI |
5.90% |
17.00% |
80% of purchase price, Including Tax and License |
| HOME EQUITY, VARIABLE |
|
8.00 % |
$10,000 Minimum First Advance
$5,000 Minimum Subsequent Advances
Rate is subject to increase after consummation of loan |
HOME EQUITY,
OPEN ENDED, FIXED |
6.75% |
7.25% |
6.75% LTV =80% 7.00% LTV=90%
7.25% LTV=95% |
|
Interest rates based on credit worthiness
Loan rates are determined by the Board of Directors and are subject to change.
Credit Life/ Credit Disability is available on all loans except VISA and Mortgage related loans.
GAP Protection is available on all Auto / RV /Motorcycles/ Boats /Personal Watercraft.. |
The following dividend rates for regular Share, Club and IRA/ Roth accounts have been declared by the Board of Directors effective 08/12/2011 |
| CERTIFICATES RATES ARE EFFECTIVE July 1st, 2011 AND ARE SUBJECT TO CHANGE DAILY. |
SHARE AND CERTIFICATE RATES |
|
TYPE |
ACCOUNT |
MINIMUM
OPENING
BALANCE |
RATE |
APY |
|
01 |
SHARES |
$50.00 |
.10% |
.10% |
|
10,11,12 |
CHRISTMAS CLUB |
$5.00 |
.10% |
.10% |
|
77 |
INSURED MONEY MARKET (IMMA) |
$2,500.00 |
.20% |
.20% |
 |
|
84 |
IRA SHARES 50 |
$50.00 |
.15% |
.15% |
|
83 |
IRA - EDUCATION |
$50.00 |
.15% |
.15% |
|
21 |
ROTH P/R IRA 50 |
$50.00 |
.15% |
.15% |
|
|
20 |
IRA - ROTH 2000 |
$2,000.00 |
.25% |
.25% |
|
80 |
IRA SHARES 2000 |
$2,000.00 |
.25% |
.25% |
|
81 |
IRA 2000 - ROTH CONVERSION |
$2,000.00 |
.25% |
.25% |
|
|
22 |
IRA CD - 6 MONTH ROTH |
$5,000.00 |
.25% |
.25% |
|
23 |
IRA CD - 6 MONTH ROTH CONVERSION |
$5,000.00 |
.25% |
.25% |
|
90 |
IRA CD - 6 MONTH (82) |
$5,000.00 |
.25% |
.25% |
|
91 |
IRA CD - 1 YEAR (85) |
$5,000.00 |
.50% |
.50% |
|
92 |
IRA CD - 2 YEAR |
$5,000.00 |
.75% |
.75% |
|
93 |
IRA CD - 3 YEAR |
$5,000.00 |
1.00% |
1.01% |
|
94 |
IRA CD - 4 YEAR |
$5,000.00 |
1.25% |
1.26% |
|
95 |
IRA CD - 5 YEAR |
$5,000.00 |
1.50% |
1.51% |
|
|
|
50 |
CD - 6 MONTH (40, 45) |
$5,000.00 |
.25% |
.25% |
|
51 |
CD - 1 YEAR (30, 32) |
$5,000.00 |
.50% |
.50% |
|
52 |
CD - 2 YEAR |
$5,000.00 |
.75% |
.75% |
|
53 |
CD - 3 YEAR |
$5,000.00 |
|
|
|
54 |
CD - 4 YEAR |
$5,000.00 |
1.25% |
1.26% |
|
55 |
CD - 5 YEAR |
$5,000.00 |
1.50% |
1.51% |
|
IRA Accounts
Bigger and Better :click here
Fast Facts about the new Roth IRA,
Traditional IRA and Educational IRA : click here |
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This Rate Schedule states rates applicable to specified accounts and fees common to all accounts.
This schedule is incorporated as a part of your account agreement with Desert Communities Federal Credit Union.
For the purposes of this disclosure, the dividend rate and annual percentage yield stated for the Certificate Share accounts were offered within the most recent seven calendar days.
Please call (760) 326-2942 toll free (877) 717-3232 to obtain current rate information.
Dividends are declared by the Board of Director Quarterly.
NCUA insured up to $250,000.00 | |
Please click here to view our Fee Schedule. |
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