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Loans| Mortgage| Savings| Certificates| IRA Certificates
Calculator| Fee Schedule
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Take advantage of our low rates and up to 100% financing. Rates listed are "as low as" and may vary based on credit qualifications and terms. For more information, call us at (804) 748.9488 or (800) 94.DFFCU.
Last Update: January 2, 2009
(All rates subject to change at any time.) |
| Loans |
APR* |
Terms |
| Vehicle Loans |
|
n/a |
Calculator |
| New Cars, Trucks & Motorcycles (Model Year 2009 & 2008) |
4.75 |
up to 72 mos. |
Calculator |
| New Cars, Trucks & Motorcycles (Model Year 2009 & 2008) |
5.50 |
73 - 84 mos. |
Calculator |
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Used Cars, Trucks & Motorcycles (Model Year 2003-2007) |
6.00 |
up to 60 mos. |
Calculator |
| Used Cars, Trucks & Motorcycles (Model Year 2003-2009) |
6.75 |
61 to72 mos. |
Calculator |
| New Boats & RVs |
6.00 |
up to 72 mos. |
Calculator |
| New Boats & RVs |
7.75 |
73 - 180 mos. |
Calculator |
| Used Boats & RVs |
8.25 |
up to 72 mos. |
Calculator |
| Used Boats & RVs |
10.00 |
73 - 180 mos. |
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Personal Loans |
7.25 |
up to 60 mos. |
Calculator |
| Savings Secured (Share Rate + 3% - Floor rate of 5%) |
|
up to 60 mos. |
Calculator |
| Certificate Secured (CD Rate +3%) |
|
up to 60 mos. |
Calculator |
| Lines of Credit |
|
n/a |
Calculator |
| Overdraft Protection |
15.00 |
up to 36 mos. |
Calculator |
| Personal Line of Credit |
8.00 |
up to 36 mos. |
Calculator |
| Credit Cards |
|
n/a |
Calculator |
| Visa Platinum (Prime + 2%) |
7.00 |
n/a |
Calculator |
| Visa Gold (Prime + 3%) |
8.00 |
n/a |
Calculator |
| Visa Classic (Prime + 4%) |
9.00 |
n/a |
Calculator |
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MasterCard |
14.00 |
n/a |
Calculator |
*APR = Annual Percentage Rate (Rate as low as)
Vehicle Loans
All APR's above are for titled vehicles and boats within the model years shown above. For untitled or older vehicles and boats, our personal loan rates apply. The value of the vehicle is based on the MSRP or retail value as determined by a credit union approved source.
For example, if you finance $20,000 at 5.50% APR, you would have a monthly payment of $382.12 for 60 months.
Personal Loans
For example, if you financed 3,500 at 9.75% APR, you would have a monthly payment of $112.53 for 36 months.
Line of Credit
Payment on overdraft protection loans are based on a 36-month term; with a minimum payment of $45.50 per month.
Credit Cards
APR on our Visa Classic and Visa Gold may vary and may be adjusted quarterly based on the Prime Rate published in the Wall Street Journal. Maximum APR is 18%. Minimum monthly payment is 2% of the unpaid balance or $10 whichever is greater.
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MORTGAGES & HOME EQUITY LOANS AND LINES OF CREDIT
Mortgage rates change daily. For up-to-date rates, click here. |
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MMA RATES & YIELDS
EFFECTIVE: Month of January, 2009 |
| Savings |
Minimum Balance |
Dividend Rate |
APY** |
Term |
| Primary Share |
$ 100 |
0.50 |
0.51 |
n/a |
| Clubs |
$ 100 |
0.50 |
0.51 |
n/a |
| Checking |
|
0.10 |
0.11 |
n/a |
| IRA Shares |
$ 100 |
0.75 |
0.75 |
n/a |
| Money Management Accounts ($1,000 - $19,999) |
$ 1,000 |
0.55 |
0.56 |
n/a |
| Money Management Accounts ($20,000 - $49,999) |
$20,000 |
0.70 |
0.71 |
n/a |
| Money Management Accounts ($50,000 - $99,999) |
$50,000 |
0.85 |
0.86 |
n/a |
| Money Management Accounts ($100,000 - $249,999) |
$100,000 |
1.00 |
1.01 |
n/a |
| Money Management Accounts ($250,000 +) |
$250,000 |
2.00 |
2.02 |
n/a |
**APY = Annual Percentage Yield.
Annual percentage yields (APY) are subject to change after account is opened. Fees may reduce earnings on your account.
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| Certificates |
Minimum Balance |
Dividend Rate |
APY** |
Term |
| Certificates |
$ 500 |
1.75 |
1.77 |
6 |
| Certificates |
$ 500 |
3.00 |
3.03 |
12 |
| Certificates |
$ 500 |
3.20 |
3.24 |
24 |
| Certificates |
$ 500 |
3.40 |
3.44 |
36 |
| Certificates |
$ 500 |
3.55 |
3.60 |
48 |
| Certificates |
$ 500 |
3.65 |
3.70 |
60 |
| SPECIAL: 1 Penalty Free Withdrawal Term Share Certificate |
$ 500 |
2.00 |
2.02 |
13 |
| JUMBO Share Certificate |
$ 50,000 |
3.50 |
3.55 |
24 |
| YouthSavers Share Certificate |
$ 500 |
1.75 |
1.77 |
3 |
**APY = Annual Percentage Yield
On all Term Share Certificates, other than the 1 penalty free on the 13 month certificate, a penalty will be imposed for early withdrawal.
13 MONTH SHARE CERTIFICATE CONDITIONS - No withdrawals without the certificate. One withdrawal during the term of the account. If the account balance falls below $500 the account must be CLOSED.
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| IRA Certificates |
Minimum Balance |
Dividend Rate |
APY** |
Term |
| IRA Certificates |
$ 500 |
3.00 |
3.03 |
12 mo. |
| IRA Certificates |
$ 500 |
3.20 |
3.24 |
24 mo. |
| IRA Certificates |
$ 500 |
3.40 |
3.44 |
36 mo. |
| IRA Certificates |
$ 500 |
3.55 |
3.60 |
48 mo. |
| IRA Certificates |
$ 500 |
3.65 |
3.70 |
60 mo. |
| JUMBO Share Certificate |
$ 50,000 |
3.50 |
3.55 |
24 mo. | **APY = Annual Percentage Yield, compounded quarterly
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