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Rates & Fees
Effective May 1, 2008
All rates subject to change without notice
| 1-Apr-08 |
Checking & Savings |
1-May-08 |
| Last Month |
Current Month |
| Rate |
APY |
Rate |
APY |
| Regular Shares |
| 0.75% |
0.75% |
$5 |
to |
$4,999 |
0.75% |
0.75% |
| 0.80% |
0.80% |
$5,000 |
to |
$9,999 |
0.80% |
0.80% |
| 0.90% |
0.90% |
$10,000 |
to |
$24,999 |
0.90% |
0.90% |
| 1.00% |
1.00% |
$25,000 |
and over |
|
1.00% |
1.00% |
| Club Accounts |
| 0.75% |
0.75% |
$5 |
to |
$4,999 |
0.75% |
0.75% |
| 0.80% |
0.80% |
$5,000 |
to |
$9,999 |
0.80% |
0.80% |
| 0.90% |
0.90% |
$10,000 |
to |
$24,999 |
0.90% |
0.90% |
| 1.00% |
1.00% |
$25,000 |
and over |
|
1.00% |
1.00% |
LIKE TO HAVE A DELAWARE STATE POLICE FCU DEBIT CARD?
OPEN A SHARE DRAFT ACCOUNT TODAY!! |
| 0.25% |
0.25% |
Share Draft (Checking) Accounts |
0.25% |
0.25% |
| Money Market Accounts |
| 2.25% |
2.27% |
$5,000 |
to |
$24,999 |
2.00% |
2.02% |
| 2.75% |
2.78% |
$25,000 |
to |
$99,999 |
2.50% |
2.53% |
| 3.00% |
3.04% |
$100,000 |
and over |
|
2.75% |
2.78% |
| IRA Accounts* |
| 2.00% |
2.02% |
Traditional IRA |
2.00% |
2.02% |
| 2.00% |
2.02% |
Roth IRA |
2.00% |
2.02% |
| 2.00% |
2.02% |
Coverdell ESA (Education Savings Account) |
2.00% |
2.02% |
| *Members may also invest IRA funds in Share Certificates and Jumbo Share
Certificates. |
| Share Certificates ($500 minimum)* |
| 3.20% |
3.25% |
6 months |
2.95% |
2.99% |
| 3.20% |
3.25% |
9 months |
2.95% |
2.99% |
| 3.20% |
3.25% |
12 months |
2.95% |
2.99% |
| 3.30% |
3.35% |
18 months |
3.05% |
3.09% |
| 3.35% |
3.40% |
24 months |
3.10% |
3.14% |
| 3.45% |
3.51% |
36 months |
3.20% |
3.25% |
| 3.55% |
3.61% |
48 months |
3.30% |
3.35% |
| 3.65% |
3.71% |
60 months |
3.40% |
3.45% |
| Jumbo Share Certificates ($25,000 minimum)* |
| 3.50% |
3.56% |
6 months |
3.25% |
3.30% |
| 3.50% |
3.56% |
9 months |
3.25% |
3.30% |
| 3.50% |
3.56% |
12 months |
3.25% |
3.30% |
| 3.55% |
3.61% |
18 months |
3.30% |
3.35% |
| 3.60% |
3.66% |
24 months |
3.35% |
3.40% |
| 3.65% |
3.71% |
36 months |
3.40% |
3.45% |
| 3.70% |
3.76% |
48 months |
3.45% |
3.51% |
| 3.75% |
3.82% |
60 months |
3.50% |
3.56% |
| Ask about the bump-up option on the 24, 36, 48, and 60 month jumbo share certificates |
| *(early withdrawal penalty may apply) |
Annual Percentage Yield = APY
| LOAN INTEREST RATES |
1-May-08 |
| Current Month |
| APR |
Per Diem |
| Personal Loans & Credit Cards |
| |
RANGE |
RANGE |
| Variable: |
Signature† |
6.75% to 12.75% |
0.018493% to 0.034932% |
|
Computer Loan |
6.50% |
0.017808% |
|
Tuition Assistance |
6.50% |
0.017808% |
| Fixed: |
E-Z Pay Loan ($5,000 Maximum) |
12.00% |
0.032877% |
|
Personal (60 months) |
14.00% |
0.038356% |
| Credit Cards: |
VISA Titanium |
9.90% |
0.027123% |
|
VISA Platinum |
10.90% |
0.029863% |
|
VISA Gold |
12.90% |
0.035342% |
| Share Secured |
| Variable: |
Secured by Regular Shares |
Current Dividend Rate + 2.00% |
| Fixed: |
Secured by Share Certificate |
CF Rate + 2.00% |
| Vehicle (Collateral) Loans |
| |
RANGE |
RANGE |
| Variable: |
Collateral (Vehicle, RV, Boat, etc)† |
6.50% |
to |
10.75% |
0.017808% |
to |
0.029452% |
|
Partially Secured by Title (Min 50% of Value)† |
6.75% |
to |
14.75% |
0.018493% |
to |
0.040411% |
|
Partially Secured by Title (20-49% of Value)† |
7.75% |
to |
15.75% |
0.021233% |
to |
0.043151% |
| Fixed Vehicle: |
36 months |
New & Used † |
3.00% |
to |
6.00% |
0.008219% |
to |
0.016438% |
|
48 months |
New & Used † |
4.00% |
to |
7.00% |
0.010959% |
to |
0.019178% |
|
60 months |
New & Used † |
5.00% |
to |
8.00% |
0.013699% |
to |
0.021918% |
|
72 months |
New & Used †($20,000+) |
5.75% |
to |
8.75% |
0.015753% |
to |
0.023973% |
|
84 months |
New & Used †($20,000+) |
5.95% |
to |
8.95% |
0.016301% |
to |
0.024521% |
| SAME LOW RATES! - New & Used Vehicle Loans |
| Boat and Recreational Vehicle (Collateral) Loans |
| Fixed: |
up to 60 months |
Years 2005 and Newer † |
6.00% |
to |
9.00% |
0.016438% |
to |
0.024658% |
|
61 to 84 months |
Years 2005 and Newer † |
6.50% |
to |
9.50% |
0.017808% |
to |
0.026027% |
|
85 to 144 months |
Years 2005 and Newer † |
7.50% |
to |
10.50% |
0.020548% |
to |
0.028767% |
| Fixed: |
up to 60 months |
Years 2000 to 2004 † |
7.00% |
to |
10.00% |
0.019178% |
to |
0.027397% |
|
61 to 84 months |
Years 2000 to 2004 † |
8.00% |
to |
11.00% |
0.021918% |
to |
0.030137% |
| † Rates may vary based on term and credit worthiness |
| Home Equity & Investment |
| Variable: |
Various terms |
Up to 75% LTV |
6.50% |
0.017808% |
|
Various terms |
Up to 90% LTV |
6.50% |
0.017808% |
|
Various terms |
Up to 100% LTV |
6.50% |
0.017808% |
| Fixed: |
36 months |
Up to 80% LTV |
6.00% |
0.016438% |
|
48 months |
Up to 80% LTV |
6.25% |
0.017123% |
|
60 months |
Up to 80% LTV |
6.50% |
0.017808% |
|
120 months |
Up to 80% LTV |
7.00% |
0.019178% |
|
180 months |
Up to 80% LTV |
7.50% |
0.020548% |
| Fixed: |
36 months |
Up to 100% LTV |
7.50% |
0.020548% |
|
48 months |
Up to 100% LTV |
7.75% |
0.021233% |
|
60 months |
Up to 100% LTV |
8.00% |
0.021918% |
|
120 months |
Up to 100% LTV |
8.50% |
0.023288% |
|
180 months |
Up to 100% LTV |
9.00% |
0.024658% |
| Fixed: |
120 months |
Investment (Land) |
7.00% |
0.019178% |
OUR MORTGAGE LOAN RATES ARE EXCELLENT
CALL A LOAN OFFICER FOR OUR NEW LOWER RATES |
| Prime Rate in the Wall Street Journal As of April 16, 2008: 5.25% |
Your savings federally insured to
at least $100,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a
U.S. Government Agency
We do business in accordance with the
Federal Housing Law and
the Equal Credit Opportunity Act.
Fees & Charges
| Description of Service |
Fee |
| Stop Payment/Stop ACH Payment |
$15.00
|
| Returned Check/Returned ACH |
$15.00 |
| Photostat Copy of Check (Fee varies w/institution) |
$3.00 - $10.00 |
| Wire Transfer |
$15.00 |
| Copy of Statement |
$3.00 |
| Dormant Account Fee per month |
$5.00 |
| Checkbook Balancing Fee per hour |
$10.00 |
| Western Union Quick Cash Fee |
$36.00 |
|
