Duval Federal Credit Union
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Rates PDF Print

Auto Loans
Visa Credit Cards
Personal Loans
Recreational Vehicles, Boats, Motorcycles
Mortgages and Home Equity Loans
Share Certificates of Deposit
IRA Certificates of Deposit
Savings, Money Market, and Other Deposit Accounts

Auto Loans


WQB*
750+ Score
A Credit
720-749 Score
B Credit
680-719 Score
C Credit
640-679 Score
D Credit
600-639 Score
E Credit
0-599 Score
LTV** up to
120%
110%
100%
95%
85%
80%
Up to 36 months
1.95%
1.95%
2.35%
3.74%
6.25%
12.25%
37 - 48 months
1.95%
1.95%
2.50%
3.74%
6.50%
12.25%
49 - 63 months
1.95%
2.25%
2.55%
3.99%
6.50%
12.25%
64 - 75 months
2.24%
2.50%
2.75%
4.25%
7.99%
14.75%
76 - 84 months
3.99%
4.25%
5.25%
N/A
N/A
N/A

Terms
2014+
2013
2012
2011
2010
Up to 75 mos
Up to 66 mos
Up to 63 mos
Up to 48 mos
Up to 36 mos

Rates as of July 1, 2013

* Well Qualified Buyer; ** Loan to Value

84-month terms available on retail values of $35,000+ on vehicles not older than 3 years; Credit conditions apply


Visa Credit Cards

Credit Disclosure
Platinum
Gold
Classic
Traditional
Annual percentage rate for purchases
8.90%
10.90%
13.95%
15.95%
Annual percentage rate for cash advances
8.90%
10.90%
13.95%
15.95%
Grace period for repayment of balances for purchases before being charged a finance charge
25 days
25 days
25 days
25 days
Method for computing the
balance for purchases
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Annual membership fee
None
None
None
None
Minimum finance charge
$1.00
$1.00
$1.00
$1.00
Transaction fee for purchases
None
None
None
None


Miscellaneous Personal Loans

A Credit
720+ Score
B Credit
680-719 Score
C Credit
640-679 Score
D Credit
600-639 Score
E Credit
0-599 Score
Line of Credit Adjustable
8.90%
9.90%
10.90%
15.90%
18.00%
Personal Loans (Closed End)
10.50%
10.90%
13.90%
15.90%
18.00%
Share Fully Secured
2.15%
2.15%
2.15%
2.15%
2.15%
Start Smart Credit Builder Loan
8.95%
8.95%
8.95%
8.95%
8.95%


Recreational Vehicles, Boats, Motorcycles, Etc.

Term & Type
A Credit
720+ Score
B Credit
680 - 719 Score
C Credit
640 - 679 Score
New - Recreationals (60 Months)
5.50%
6.50%
8.50%
New - Recreationals (84 Months)
6.50%
7.50%
9.50%
New - Recreationals (120 Months)
7.25%
8.25%
10.25%
Used - Recreationals (60 Months)
6.50%
7.50%
9.50%
Used - Recreationals (84 Months)
7.50%
8.50%
10.50%
Used - Recreationals (120 Months)
8.50%
10.25%
12.25%


Mortgages, Home Equity, & Other Real Estate Loans

Additional rates and terms are available in our new, expanded mortgage lending area.

15-Year First
Fixed
15-year term
5.00%
1% origination plus or minus underwriting adjustments
15-Year Second
Fixed
8 to 15-year term
5.50%
1% origination plus or minus underwriting adjustments
Easy Equity
Fixed
15-year term
6.00%
Plus or minus underwriting adjustments
Prime 1st or 2nd, HELOC
Variable
80% LTV Maximum
5.00%
1% origination plus or minus underwriting adjustments


Share Certificates of Deposit

Term
Annual Percentage Yield
Minimum Opening Deposit
Dividends Paid
3 month
0.15%
$500.00
Monthly
6 month
0.25%
$500.00
Monthly
12 month
0.50%
$500.00
Monthly
18 month
0.50%
$500.00
Monthly
24 month
0.65%
$500.00
Monthly
30 month
0.65%
$500.00
Monthly
36 month
0.90%
$500.00
Monthly
48 month
1.10%
$500.00
Monthly
60 month
1.40%
$500.00
Monthly


IRA Certificates of Deposit

Term
Annual Percentage Yield
Minimum Opening Deposit
Dividends Paid
3 month
0.40%
$500.00
Monthly
6 month
0.50%
$500.00
Monthly
12 month
0.75%
$500.00
Monthly
18 month
0.75%
$500.00
Monthly
24 month
0.90%
$500.00
Monthly
30 month
0.90%
$500.00
Monthly
36 month
1.15%
$500.00
Monthly
48 month
1.35%
$500.00
Monthly
60 month
1.65%
$500.00
Monthly


Savings, Money Market, and Other Deposit Accounts

Account Type
Annual Percentage Yield
Minimum Opening Deposit
Dividends Paid
Savings ($200-$1999)
0.10%
$5.00*
Quarterly
Savings ($2000 +)
0.15%
$2,000.00
Quarterly
Money Market ($5,000-$24,999)
0.25%
$5,000.00
Monthly
Money Market ($25,000-$49,999)
0.30%
$25,000.00
Monthly
Money Market ($50,000 +)
0.35%
$50,000.00
Monthly
Kids Club**
0.18%
$5.00
Monthly
Christmas Club
0.18%
$5.00
Quarterly
IRA, Roth, Educational
0.30%
$5.00
Quarterly
Health Savings Accounts (HSA)
0.30%
$5.00
Monthly
Premier Checking
0.30%
DAB*** $500.00
Monthly

All loan rates are expressed as an Annual Percentage Rate (APR)

The annual percentage yield assumes dividends are compounded and credited to the account quarterly. A withdrawal will forfeit dividends for that period.

*Interest paid on balances of $200.00 and up.

**Available exclusively to members age 17 and younger.

***Daily Average Balance

Rates are subject to change.

Federally insured by NCUA