Dupont Community Credit Union
Dupont Community Credit Union

Rates

Rates as of July 25, 2017

ACCOUNT TYPE RATE APY*
Share
$25.00 to $9,999.99 0.05% 0.05%
$10,000.00 and over 0.05% 0.05%
Share Draft 0.05% 0.05%
Daily Money Market (Variable)
$2,500.00 to $9,999.99 0.10% 0.10%
$10,000.00 to $24,999.99 0.15% 0.15%
$25,000.00 to $74,999.00 0.20% 0.20%
$75,000.00 and over 0.25% 0.25%
Accumulative IRA (Variable)
up to $9,999.99 0.10% 0.10%
$10,000.00 to $24,999.99 0.15% 0.15%
$25,000.00 to $74,999.00 0.20% 0.20%
$75,000.00 and over 0.25% 0.25%
Certificates
91 Day 0.15% 0.15%
26 Week 0.60% 0.60%
1 Year 0.70% 0.70%
24 to 30 Months 0.80% 0.80%
36 Months 1.00% 1.00%

*Annual Percentage Yield

EARLY REDEMPTION PENALTY ON CERTIFICATES OF DEPOSIT:

Federal Regulation D, Section 2-135, requires financial institutions to have written policies if cerfificate funds are withdrawn prior to their maturity. SUBSTANTIAL PENALTIES, as follows, represent the policy of Scenic Community Credit Union on certificates redeemed prior to their maturity.

1)     If the certificate term is for one (1) year or less, the penalty is the forfeiture of ninety (90) days interest

2)     If the certificate term is greater that one (1) year, the penalty is the forfeiture of one hundred and eighty (180) days interest

3)     Except, if the certificate is withdrawn or redeemed within the first six (6) days, the forfeiture of seven (7) days interest is required, per Federal Regulation D, Section 2-135.

Each certificate upon maturity will automatically be renewed for the same period, at the rate of interest being paid by the Credit Union, on the date of renewal, unless written instructions are received by the Credit Union to do otherwise, prior to the maturity date.

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LOAN TERM APR
Share Secured To 60 mo. see below 1
Certificate of Deposit Secured Maturity of CD see below  2
     

1   The terms of this type loan should not exceed five years (60 months) with the interest rate being a variable rate based on the rate being paid by SCCU, plus 2.0%.

2    The interest rate of this type of loan is the rate being paid by SCCU, plus 2.0%.

   
     
Personal (as low as:)
  24 mo. 7.20%
  36 mo. 7.20%
  48 mo. 7.20%
  60 mo. 7.20%
     
Credit Cards
Visa Gold (Min. $5,000/Max. $15,000) Revolving 12.00%
Visa (Max. $4,000) Revolving 12.50%
   
New and Used Vehicles (as low as):
Up to 25,000 miles Up to 130% of Retail - see below 3
                                    
  48 mo. or less 2.39%
  49 - 63 mo. 2.39%
  64 - 75 mo. 2.49%
     
84 month only for values greater than $25,000 76 - 84 mo. 4.99%
   
25,000 miles to 99,999 miles Up to 130% of Retail  - see below 3 48 mo. or less 2.99%
  49 - 63 mo. 3.19%
     
72 month only for values greater than $20,000 64 - 75 mo. 3.79%
     
      .  
   
100,000 and greater Up to NADA Retail - see below 48 mo. 5.25%
  49 - 63 mo. 5.33%
  64 - 75 mo. 5.79%
  .  

  3 130% of NADA Retail value or MSRP (includes tax, tag, title,warranty, optional products and optional insurance) (GAP NOT INCLUDED)  

 
   
New Motorcycles (as low as:)
1200 cc's & up - Never Titled  
  24 mo. 4.25%
  36 mo. 4.25%
  48 mo. 4.75%
  60 mo. 4.75%
  66 mo. 5.25%
  72 mo. 5.60%
Used Motorcycles (as low as:)    
1200 cc's & up - Year models '10 to current  
  24 mo. 4.75%
  36 mo. 4.75%
  48 mo. 5.15%
  60 mo. 5.15%
  66 mo. 5.55%
     
New Recreational Vehicles (as low as:)
Motor Homes - Never Titled
Includes: travel trailers, 5th wheels, and motor homes
 
  Up to 60 mo. 5.25%
  Up to 84 mo. 5.75%
  Up to 120 mo. 6.25%
Used Recreational Vehicles (as low as:)
Year models '10 to current  
  Up to 60 mo. 6.30%
  Up to 84 mo. 6.50%
     
New Boat (as low as:)
  Up to 60 mo. 3.65%
  Up to 84 mo. 3.65%
  Up to 120 mo. 5.30%
Used Boats (as low as:)
Year models '10 to current  
  Up to 60 mo. 5.10%
  Up to 84 mo. 5.35%
Other Secured: New (as low as:)
See below  5
  Up to 24 mo. 6.60{%
  Up to 36 mo. 6.85%
  Up to 48 mo. 7.10%
Other Secured: Used (as low as:)
See below  5
  Up to 24 mo. 7.60%
  Up to 36 mo. 7.85%
  Up to 48 mo. 8.10%
     
5    Motorcycles under 1200 cc, personal watercraft, ATV's, campers, as well as motorcycles, boats, and RV's older than the model year listed.    

 

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LOAN TERM APR
Mortgage Loans
Residential 80% LTV Max (as low as:)
  5 yrs. Click here for rates
  7 yrs. Click here for rates
  10 yrs. Click here for rates
  15 yrs. Click here for rates
     
Unimproved Property
80% LTV Max
  5 yrs. Click here for rates
  7 yrs. Click here for rates
  10 yrs. Click here for rates
     
     

6  Rate is fixed for 5 years: amortization can be up to 30 years.

ALL LOAN RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. LOAN RATES AND TERMS WILL VARY DEPENDING ON THE STRENGTH OF MEMBER'S CREDIT, AND TERM SELECTED. ACTUAL RATES COULD VARY. ASK THE CREDIT UNION FOR THE RATE FOR WHICH YOU QUALIFY.

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