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Member Loan Rates and Savings Rates
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Loan Rates Effective: September 22,
2005
Rates are subject to change
without notice. The DSFCU uses Risk-Based
Lending. Your rate will be based upon your credit
score. |
|
Current
Credit Union Rates
Calculate Your Home Equity
Home Equity Payment Comparison |
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|
New
Vehicle (100% Financing) |
 |
| Under
$20,000 |
3 -
5 years |
as
low as 4.75% |
| Over
$20,000 |
6
years |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Vehicle (1998 - 2005)
(100% NADA Retail) |
|
| Under
$20,000 |
2 -
4 years |
as
low as 4.75% |
| Over
$20,000 |
5 -
6 years |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Vehicle (1986 - 1997) |
|
| NADA
Loan Value |
3
years
|
as
low as 7.5% |
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Click here for
online calculators for this type of loan. |
|
New
Motorcycle (100% Financing) |
|
| Under
$20,000 |
3 -
5 years |
as
low as 4.75% |
| Over
$20,000 |
6
years |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Motorcycle (1998 - 2005)
(100% NADA Retail) |
|
| Under
$20,000 |
2 -
4 years |
as
low as 4.75% |
| Over
$20,000 |
5 -
6 years |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Motorcycle (1986 - 1997) |
|
| NADA
Loan Value |
3
years
|
as
low as 7.5% |
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Click here for
online calculators for this type of loan. |
|
New
Boat (100% Financing) |
|
| Under
$15,000 |
2 -
5 years |
as
low as 4.75% |
| Over
$15,000 |
6
- 10 yrs |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Boat (1993 - 2005) |
|
| Under
$15,000 |
2 -
4 years |
as
low as 4.75% |
| Over
$15,000 |
5 -
10 yrs |
as
low as 5.75% |
| Note:
Loans of $10,000 or more must have a Marine Survey |
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Click here for
online calculators for this type of loan. |
|
Older
Boats (1982 - 1992) |
|
| 90%
of Marine Survey Value, NADA loan value |
Max.
5 yrs |
as
low as 7.5% |
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Click here for
online calculators for this type of loan. |
|
New
RVs (100% Financing) |
|
| Under
$15,000 |
2 -
5 years |
as
low as 4.75% |
| Over
$15,000 |
6
- 10 yrs |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
RVs (1995 - 2005) |
|
| Under
$15,000 |
2 -
4 years |
as
low as 4.75% |
| Over
$15,000 |
5 -
10 yrs |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Older
RVs (1984 - 1994) |
|
| 90%
of NADA Retail Value |
Max.
5 yrs |
as
low as 7.5% |
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Click here for
online calculators for this type of loan. |
|
New
Travel Trailers (100% Financing) |
|
| Under
$15,000 |
2 -
5 years |
as
low as 4.75% |
| Over
$15,000 |
6
- 10 yrs |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Used
Travel Trailers (1995 - 2005) |
|
| Under
$15,000 |
2 -
4 years |
as
low as 4.75% |
| Over
$15,000 |
5 -
10 yrs |
as
low as 5.75% |
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Click here for
online calculators for this type of loan. |
|
Personal
Loans |
|
Open-End
Line of Credit
•maximum amount $7,500 |
Max.
4 yrs |
as
low as 9.00% |
Closed-End
Line of Credit
•maximum amount $10,000
•may be extended to $15,000
with
collateral |
Max.
5 yrs |
as
low as 9.00% |
| Shared
Secured Loans |
|
3.5%
(3% higher than dividend) |
| Debt
Consolidation Loans |
Max.
4 yrs |
as
low as 11.9% |
| Educational
Loans |
Max.
5 yrs |
7.49%
(school tuition & books) |
| Visa
Credit Cards |
|
as
low as 8.90% |
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Click here for
online calculators for this type of loan. |
|
Home
Equity Loans |
|
Variable
Rate Line of Credit
•financing up to 15 years
•variable rate, adj.
quarterly
•90% appraised value
•$10,000 minimum
•$200,000 maximum
•$100 application fee |
up
to 15 years |
Low
as 6.25% (Member pays closing cost)
Low as 6.50% (Credit Union pays closing cost) |
Money
Purchase Program
•variable rate, adj.
quarterly
•90% appraised value
•$10,000 minimum
•$250,000 maximum
•$100 application fee |
Calculated
on 30 year term (Balloon payment or refinance
after 15 years) |
Low
as 6.25% (Member pays closing cost)
Low as 6.50% (Credit Union pays closing cost) |
Closed-End
Fixed Rates
•80% of appraised value
•$5,000 minimum
•$100,000 maximum
•$100 application fee |
3
years
5 years
7 years |
As
low as 8.50%
As
low as 9.00%
As
low as 9.50% |
Fixed
Rate Line of Credit
•90% of appraised value
•$5,000 minimum
•$100,000 maximum
•$100 Application Fee
•fixed rate calculated
initially
from
the date of
settlement, thereafter from
the
date of each advance |
up
to
7 years |
Low
as 7.50% (Member pays closing cost)
Low as 8.50% (Credit Union pays closing cost) |
Courtesy
Equity Loans
•the rate would be +.25%
higher
the type of loan
applied
for
•$100% financing
•$5,000 minimum
•$50,000 maximum
•$100 application fee |
|
|
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Click here for online
calculators for this type of loan. |
|
Savings
Rates Effective 03/2004 |
|
| Regular
Share |
- |
.50%
yield |
| Christmas
Savings |
- |
.25%
yield |
| Vacation
Savings |
- |
.25%
yield |
| Note:
Share Certificates (CD's) are available for 6, 12,
24 and 36 months. Call for current rates. |
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