Dupont Community Credit Union Services Page

SAVINGS

Prime Share Account
Dividends earned are comparable with local markets - paid quarterly

No limit on withdrawals

Minimum balance - $25.00

Christmas Club Account
Contribute as little as $1.00 per deposit

Dividends paid are same as Prime Share Account

Daily Money Manager Account
Minimum balance of $2,500. is required

Interest earned will be equal to or greater than that earned on the Share Draft Account

Interest accrues daily and is paid monthly

Certain restrictions may apply

Share Certificate
Interest paid according to the term of the certificate

Accounts of two or more years - minimum deposit $500.

Accounts less than two years - minimum deposit $2,500.

Individual Retirement Account
A way to set aside a portion of earnings to be used upon retirement

Three types of DCCU IRA's

1. Traditional IRA
2. Roth IRA
3. Coverdell Education IRA

The above IRA accounts can be invested in two different account types.

1) Accumulative Account:
         Requires initial deposit of $25.00
         Additional deposits can be made at any time
         Variable interest rate
         No Maturity date

2) IRA Share Certificate Account:
         Accounts less than two years require a minimum deposit of $2,000.
         Guaranteed interest rate
         Fixed Maturity date
         Conditions are the same as with regular Share Certificates
         Consult you tax advisor if unsure of qualifying for an IRA

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SHARE DRAFT (CHECKING)

No service charge for Share and Basic Checking.

Entire balance earns interest - paid Monthly

50 free duplicate-style checks for new accounts

DCCU ONLINE / BILL PAY

Free VISA Check Card - no checks written, amounts are automatically deducted from your account

Free CIRRUS ATM card - no charge when used at DCCU's ATM machines

No per check charge

NOTICE FOR Directv Electronic Payment: If you are paying your Directv account electronically, AND your account number is LESS than 9 digits, please complete the following: Edit your Payee to show Directv with a capital D, AND right justify the account number by adding zero's in front of your account number. Verify the account number has 9 digits total. If you have any questions, please contact DCCU.

LOANS

Dupont Community Credit Union offers the following type loans:

Automobile Loans
Convenient terms of up to six (6) years on new vehicles, up to five (5) years on used vehicles

All rates are "simple interest" and usually lower than those offered by local competition

Vehicles financed up to 115% of value.

Boat Loans
Any boat financed must be ten feet or greater
Up to 115% of value available

Recreational Vehicles
Terms up to 10 years.
Up to 115% of value available

Signature Loans
Unsecured loans available up to a maximum of $10,000.

Savings Secured Loan
Borrow at reduced rates and still earn dividends by securing a loan using DCCU Savings/Certificate Accounts as collateral

VISA, MasterCard and VISA Gold
Low rates on each type credit card

Each card has a 25-day grace period (except for cash advances)

No annual fee

Mortgage Loans
First and second home mortgages are available

Rate and terms are flexible

SERVICES

American Express Travelers Checks (one party)
No limits on Share (Savings) withdrawals
No service charge on Share Draft Account with direct deposit or $300 minimum balance
Touch Tone Teller (24-hour availability)
Share to Share Draft transfers to cover checks
Certified Checks payable to member
Recent account history printouts
Notary Service and Signature Guarantee
On-Line Check Ordering