Rates

Rates

Rates listed are "as low as", include all possible discounts, may vary based on credit qualifications and terms, and subject to change at any time. For more information, call us at (804) 748.9488 or (800) 94.DFFCU.

Last Update: February 1, 2010

Loans	APR*	Terms
Vehicle Loans
New & Used Cars, Trucks & Motorcycles (Model Year 2010 & 2009)	4.50	up to 72 mos.	Calculator
New & Used Cars, Trucks & Motorcycles (Model Year 2010 & 2009)	5.25	73 - 84 mos.	Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008 & 2007) with less than 50,000 miles	5.00	up to 60 mos.	Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008 & 2007) with less than 50,000 miles	5.75	61 - 72 mos.	Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008-2004) with more than 50,000 miles	5.75	up to 60 mos.	Calculator
Used Cars, Trucks & Motorcycles (Model Year 2008-2004) with more than 50,000 miles	6.50	61 to72 mos.	Calculator
New Boats & RVs	6.25	up to 72 mos.	Calculator
New Boats & RVs	8.00	73 - 180 mos.	Calculator
Used Boats & RVs	8.50	up to 72 mos.	Calculator
Used Boats & RVs	10.25	73 - 180 mos.	Calculator
Personal Loans	8.50	up to 60 mos.	Calculator
Savings Secured (Share Rate + 3% - Floor rate of 4%)		up to 60 mos.	Calculator
Certificate Secured (CD Rate +3%)		up to 60 mos.	Calculator
Lines of Credit
Overdraft Protection	15.00	up to 36 mos.	Calculator
Personal Line of Credit	8.00	up to 36 mos.	Calculator
Credit Card
Visa Platinum	6.99	n/a	Calculator
Mortgage/Home Equity - Click Here

*APR = Annual Percentage Rate (Rate as low as) Back to Top

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 4.50% APR, you would have a monthly payment of $317.48 for 72 months.

Personal Loans
For example, if you financed 3,500 at 7.50% APR, you would have a monthly payment of $108.87 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
The APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the highest prime interest rate published in the Eastern Edition of The Wall Street Journal in effect on the last day of the month of each calendar quarter plus (ii) the margin rate of 1.99%-12.99%. Floor Rate of 6.99%, Maximum Rate of 17.99%. Back to Top

EFFECTIVE: Month of February, 2010

Savings, Checking, MMA's	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	0.50	0.51	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	0.65	0.66	n/a
Money Management Accounts ($50,000 - $99,999)	$50,000	0.75	0.76	n/a
Money Management Accounts ($100,000 - $249,999)	$100,000	0.85	0.86	n/a
Money Management Accounts ($250,000 +)	$250,000	1.65	1.67	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. Back to Top

Certificates	Minimum Balance	Dividend Rate	APY**	Term
Certificates	$ 500	0.60	0.61	6 mo
Certificates - SPECIAL!!!	$ 500	1.32	1.33	9 mo
Certificates	$ 500	1.50	1.52	12 mo
Certificates	$ 500	1.80	1.82	24 mo
Certificates	$ 500	2.35	2.37	36 mo
Certificates	$ 500	2.55	2.58	48 mo
Certificates	$ 500	2.75	2.78	60 mo
SPECIAL: 1 Penalty Free Withdrawal Term Share Certificate	$ 500	1.00	1.01	13 mo
JUMBO Share Certificate	$ 50,000	2.00	2.02	24 mo
YouthSavers Share Certificate	$ 500	0.60	0.61	3 mo

**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. Back to Top

IRA Certificates	Minimum Balance	Dividend Rate	APY**	Term
IRA Certificates	$ 500	1.50	1.52	12 mo
IRA Certificates	$ 500	1.80	1.82	24 mo
IRA Certificates	$ 500	2.35	2.37	36 mo
IRA Certificates	$ 500	2.55	2.58	48 mo
IRA Certificates	$ 500	2.75	2.78	60 mo
JUMBO Share Certificate	$ 50,000	2.00	2.02	24 mo

**APY = Annual Percentage Yield, compounded quarterly
Penalty will be imposed for early withdrawal on all IRA Certificates. Back to Top