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New Castle Branch:
Toll Free:
FAX:
Wilmington Branch:
FAX:
ART:
Toll Free
ART: |
302-322-7777
888-322-7775
302-322-7803
302-984-4505
302-984-4508
302-325-2000
888-325-5580
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| When you are writing checks to
pay on your credit card accounts, DO NOT put the complete
account number on the "For" or "Memo"
line. Instead, just put the last four numbers. The credit
card company knows the rest of the number, and anyone who
might be handling your check as it passes through all the
check processing channels won't have access to it. |
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Member Loan Rates and Savings
Rates
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Rates
Effective For: September 13, 2006
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 |
 |
|
New Vehicle (100% Financing) |
 |
| Applies To All
New Vehicles |
3 - 6 years |
6.50% |
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Used Vehicle (2000 - 2007)
(100% NADA Retail) |
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| Applies To All
Used Vehicles |
3 - 6 years |
6.50% |
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Older Vehicles (1988 - 1999) |
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| NADA Loan Value |
3 years
|
8.25% |
| <<Back to Top
Click here for
online calculators for this type of loan. |
|
New Motorcycle (100%
Financing) |
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| Applies To All
New Motorcycles |
3 - 6 years |
6.50% |
| <<Back to Top |
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Used Motorcycle (2000 - 2007)
(100% NADA Retail) |
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| Applies To All
Used Motorcycles |
3 - 6 years |
6.50% |
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Older Motorcycle (1988 - 1999) |
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| NADA Loan Value |
3 years
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8.25% |
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New Boat (100% Financing) |
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| Under $15,000 |
2 - 5 years |
as low as 6.50% |
| Over $15,000 |
6 - 10 yrs |
as low as 7.50% |
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Used Boat (1995 - 2006) |
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| Under $15,000 |
2 - 5 years |
as low as 6.50% |
| Over $15,000 |
6 - 10 yrs |
as low as 7.50% |
| Note: Loans of $10,000 or more
must have a Marine Survey |
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Older Boats (1984 - 1994) |
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| 90% of Marine
Survey Value, NADA loan value |
Max. 5 yrs |
as low as 8.25% |
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New RVs (100% Financing) |
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| Under $15,000 |
2 - 5 years |
as low as 6.50% |
| Over $15,000 |
6 - 10 yrs |
as low as 7.50% |
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Used RVs (1996 - 2007) |
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| Under $15,000 |
2 - 4 years |
as low as 6.50% |
| Over $15,000 |
5 - 10 yrs |
as low as 7.50% |
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Older RVs (1985 - 1995) |
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| 90% of NADA
Retail Value |
Max. 5 yrs |
as low as 9.25% |
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New Travel Trailers (100%
Financing) |
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| Under $15,000 |
2 - 5 years |
as low as 6.50% |
| Over $15,000 |
6 - 10 yrs |
as low as 7.50% |
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Used Travel Trailers (max. 10
years old) |
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| Under $15,000 |
2 - 5 years |
as low as 6.50% |
| Over $15,000 |
6 - 10 yrs |
as low as 7.50% |
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Personal Loans |
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Open-End Line
of Credit
•maximum amount $7,500 |
Max. 4 yrs |
as low as 9.0% |
Closed-End Line
of Credit
•maximum amount $10,000
•may be extended to $15,000
with
collateral |
Max. 5 yrs |
as low as 9.0% |
| Shared Secured
Loans |
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4.5% (4% 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 |
Min. payment is
3% of balance |
as low as 8.90% |
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Home Equity Loans |
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Variable Rate
Line of Credit
•financing up to 15 years
•variable rate, adj.
quarterly
•90% appraised value
•$10,000 minimum
•$250,000 maximum
•$100 application fee |
up to 15 years |
as low as 8.00% |
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) |
as low as 8.00% |
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 8.25%
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Courtesy Equity
Loans
•$100% financing
•$5,000 minimum
•$50,000 maximum
•$100 application fee |
|
the rate would be
+.25% higher the type of loan applied for |
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Savings Rates |
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| Regular
Share |
- |
.50% yield |
| Christmas
Savings |
- |
.25% yield |
| Vacation
Savings |
- |
.25% yield |
| Money
Market Account |
- |
3.93% APR / 4.00% APY |
| Note: Share Certificates (CD's)
are available for 6, 12, 24 and 36 months.
Call 302-322-7777 for current rates. |
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