Rates and Fees

Rates and Fees

Express and Star Checking

Checking Account Type

Min. To Earn APY And Avoid Monthly Service Fee

Dividend Rate

APY*

DISCLOSURES

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account.

Account uses the average daily balance to obtain APY each monthly statement cycle. The rate may change after account opening (variable rate account).

Checking Account Type

Express (Basic)

Min. To Earn APY And Avoid Monthly Service Fee

$0

Dividend Rate

0.00%

APY*

0.00%

Checking Account Type

Star

Min. To Earn APY And Avoid Monthly Service Fee

$1000

Dividend Rate

0.05%

APY*

0.05%

Checking Account Type

Free 4 Me

Min. To Earn APY And Avoid Monthly Service Fee

$0

Dividend Rate

0.00%

APY*

0.00%

Open Now

Savings Accounts

Savings Type

Dividend Rate

APY*

DISCLOSURES

Minimum Balance to Open of $5.00.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account.

The rate may change after account opening (variable rate account).

Minimum average daily balance to obtain APY for Regular Savings Accounts is $5.00.

Minimum average daily balance to obtain APY for Holiday Savings Accounts is $10.00.

Savings Type

Regular Savings with Average Daily Balance of $5.00 - $1,999.99

Dividend Rate

0.05%

APY*

0.05%

Savings Type

Regular Savings with Average Daily Balance of $2,000 - $9,999

Dividend Rate

0.05%

APY*

0.05%

Savings Type

Regular Savings with Average Daily Balance of $10,000 - $24,999

Dividend Rate

0.05%

APY*

0.05%

Savings Type

Regular Savings with Average Daily Balance of $25,000 - $49,999

Dividend Rate

0.10%

APY*

0.10%

Savings Type

Regular Savings with Average Daily Balance of $50,000+

Dividend Rate

0.10%

APY*

0.10%

Savings Type

Holiday Savings Account

Dividend Rate

0.15%

APY*

0.15%

Savings Type

IRA Savings Account

Dividend Rate

0.15%

APY*

0.15%

Open Now

Youth Savings Accounts

Savings Type

Dividend Rate

APY*

Minimum Balance To Open of $5.00.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account.

The rate may change after account opening (variable rate account).

Minimum average daily balance to obtain APY is $5.00 for regular savings and $10 for holiday savings.

Savings Type

Baxter’s Bunch

Dividend Rate

Regular Savings Dividend Rate + 0.25%

APY*

0.25%

Savings Type

Score! Teen Program

Dividend Rate

Regular Savings Dividend Rate + 0.25%

APY*

0.25%

Open Now

Money Market Accounts

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

Dividend Rate

APY*

DISCLOSURES

$2,000 Minimum Balance to Open.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account.

Account uses the average daily balance to obtain APY each monthly statement cycle.

The rate may change after account opening (variable rate account).

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$0-$1,999.00

Dividend Rate

0.00%

APY*

0.00%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$2,000-$9,999.99

Dividend Rate

0.05%

APY*

0.05%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$10,000-$24,999.99

Dividend Rate

0.10%

APY*

0.10%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$25,000-$49,999.99

Dividend Rate

0.15%

APY*

0.15%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$50,000-$99,999.99

Dividend Rate

0.20%

APY*

0.20%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$100,000+

Dividend Rate

0.25%

APY*

0.25%

Open Now

Certificates and IRA Certificates - $1,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$1,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $1,000.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.10%

APY**

0.10%

Term

6 month

Dividend Rate

0.15%

APY**

0.15%

Term

9 month

Dividend Rate

0.20%

APY**

0.20%

Term

12 month

Dividend Rate

0.25%

APY**

0.25%

Term

18 month

Dividend Rate

0.30%

APY**

0.30%

Term

24 month

Dividend Rate

0.45%

APY**

0.45%

Term

36 month

Dividend Rate

0.50%

APY**

0.50%

Term

48 month

Dividend Rate

0.55%

APY**

0.55%

Open Now

Certificates and IRA Certificates - $10,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$10,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $10,000.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.15%

APY**

0.15%

Term

6 month

Dividend Rate

0.20%

APY**

0.20%

Term

9 month

Dividend Rate

0.25%

APY**

0.25%

Term

12 month

Dividend Rate

0.30%

APY**

0.30%

Term

18 month

Dividend Rate

0.35%

APY**

0.35%

Term

24 month

Dividend Rate

0.50%

APY**

0.50%

Term

36 month

Dividend Rate

0.55%

APY**

0.55%

Term

48 month

Dividend Rate

0.60%

APY**

0.60%

Open Now

Certificates and IRA Certificates - $100,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$100,000+ Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $100,000.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.20%

APY**

0.20%

Term

6 month

Dividend Rate

0.25%

APY**

0.25%

Term

9 month

Dividend Rate

0.30%

APY**

0.30%

Term

12 month

Dividend Rate

0.35%

APY**

0.35%

Term

18 month

Dividend Rate

0.40%

APY**

0.40%

Term

24 month

Dividend Rate

0.55%

APY**

0.55%

Term

36 month

Dividend Rate

0.60%

APY**

0.60%

Term

48 month

Dividend Rate

0.65%

APY**

0.65%

Open Now

Certificate Builder Share Account

Dividend Rate

APY**

DISCLOSURES

$50.00 Minimum Average Daily Balance to obtain APY. Minimum Balance to Open of $50.00.

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Dividend Rate

0.15%

APY**

0.15%

Open Now

Visa® Platinum and Share Secured Credit Cards

Type of Rate or Fee

Rate or Fee

DISCLOSURES

***APR = Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Rates are current as of March 1, 2021.

Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rate may change after opening and increase.

Type of Rate or Fee

Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash***

Rate or Fee

9.90%

Type of Rate or Fee

Cash Advances

Rate or Fee

No Fee

Type of Rate or Fee

Foreign Transaction Fee

Rate or Fee

1% of each transaction in U.S. dollars

Type of Rate or Fee

Late Payment Fee

Rate or Fee

$25.00

Type of Rate or Fee

Returned Payment

Rate or Fee

$25.00

Type of Rate or Fee

Annual Fee

Rate or Fee

No Fee

Type of Rate or Fee

Processing Fee

Rate or Fee

No Fee

Apply Now

New and Used Auto Loans - Cars & Trucks

Model Year

APR*** as low as

DISCLOSURES

Loan Rates are current as of May 17, 2021. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details.

***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms.

Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 730+, and must meet debt to income requirements. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011–2021

APR*** as low as

1.86%

Model Year

2010 or older1

APR*** as low as

2.86%

APPLY NOW

Powersports

Model Year

APR*** as low as

DISCLOSURES

Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-bySide, Sportbike, Enduro/Dual Sport, Motorcycles like Harley-Davidson & BMW, Personal Utility Trailers, Horse Trailers w/o Living Quarters, Small Tractors & Equipment.

Loan Rates are current as of May 17, 2021. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details.

***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms.

Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011 - 2021

APR*** as low as

3.74%

Model Year

2010 or older1

APR*** as low as

4.74%

Apply Now

RVs

Model Year

APR*** as low as

DISCLOSURES

Eligible Types: Travel Trailers, 5th Wheels, Class A, B & C Motor Homes, Pop-Up Tent Trailer, Truck Camper, Toy Hauler, Horse Trailer w/ Living Quarters & Boats.

Loan Rates are current as of May 17, 2021. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details.

***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms.

Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011 - 2021

APR*** as low as

5.03%

Model Year

2010 or older1

APR*** as low as

6.03%

Apply Now

Mobile Home Loans

Type of Loan

APR*** as low as

DISCLOSURES

Loan Rates are current as of May 17, 2021. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details.

***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms.

Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes term of 120 months, clean title, LTV not to exceed 95%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

1Eligible Types: Single Wide & Multi Wide Mobile or Modular Homes that are not permanently affixed to real property. Title must be active.  For permanent foundation Mobile Home loans, see Mortgage Loan Info.

Type of Loan

Mobile Home (2021–2011)1

APR*** as low as

4.77%

Type of Loan

Mobile Home (2010 or older)1

APR*** as low as

5.77%

Apply Now

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Please visit our Mortgages Center to schedule your consultation.

Personal Loans

Type of Loan

APR*** as Low As

DISCLOSURES

Loan Rates are current as of October 2, 2020. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details.

***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Rates are current as of October 2, 2020.

Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes term of 60 months, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

‡Share or Certificate Secured must be at DNCU.

†Minimum payment terms of 3% of the balance, plus interest, or $15 (whichever is greater) apply. Rate may change after opening and increase.

$20 application fee collected at time of application. Maximum term of 6 months. $15 late fee will be charged on loans that are 15 days or more past due.

 

Type of Loan

Share or Certificate Secured‡

APR*** as Low As

2.00%

Type of Loan

Unsecured Personal Loan

APR*** as Low As

10.74%

Type of Loan

Unsecured Revolving Line of Credit

APR*** as Low As

10.74%

Type of Loan

Payday Loan "Freedom Cash"

APR*** as Low As

19.99%

Apply Now

Account Fees

Account Service

Fee

Rates and fees effective as of March 1, 2021.

Account Service

Account Balancing/Research per hour

Fee

$20.00

Account Service

Account Closed (within 3 months of opening)

Fee

$5.00

Account Service

Check Cashing Fee

Fee

$5.00

Account Service

This fee will not be charged if a member has an aggregate balance of $100 or more, or if you have a loan or credit card with Del Norte Credit Union.

Fee

Account Service

Check Clearing Fee for each check over 30 checks per month - Express Checking

Fee

$0.15

Account Service

Check Clearing Fee for more than 3 checks per month - Money Market Checking

Fee

$10.00

Account Service

Collection Item (incoming/outgoing)

Fee

$25.00

Account Service

Courtesy Pay

Fee

$25.00

Account Service

Courtesy Pay fees apply when an overdraft is created by check, ATM withdrawal, or other electronic means.

Fee

Account Service

Dormant Account - per month

Fee

$10.00

Account Service

Dormant accounts will be assessed a $10 inactivity fee on a monthly basis. An account is considered dormant after one year of inactivity. Accounts will not be assessed the inactivity fee if members have active suffixes, loans, or if members are 18 years of age or younger.

Fee

Account Service

Escheated Accounts

Fee

$50.00

Account Service

On dormant accounts after 5 years

Fee

Account Service

Levies/Garnishments

Fee

$25.00

Account Service

Non Sufficient Funds (NSF) Item

Fee

$30.00

Account Service

Return Deposit/Item

Fee

$25.00

Account Service

Return Mail

Fee

$5.00

Account Service

Star Checking Monthly Service Fee

Fee

$7.00

Account Service

Fee assessed if balance falls below $100.00

Fee

Account Service

Stop Payment

Fee

$35.00

Account Service

Checking account, bill pay, POP$, and external transfers

Fee

Product and Services Fees

Product or Service

Fee

Rates and fees effective as of March 1, 2021.

Product or Service

ATM withdrawal - per withdrawal at out of network ATMs

Fee

$1.50

Product or Service

Cashier's/Certified Checks

Fee

$2.50

Product or Service

Copy of Draft (free through Online Banking)

Fee

$3.00

Product or Service

Copy of Statement (free through Online Banking)

Fee

$3.00

Product or Service

Domestic Wire Transfer (outgoing)

Fee

$15.00

Product or Service

Foreign Wire Transfer (outgoing) - plus exchange fees

Fee

$50.00

Product or Service

Notary - per notarized document - waived for members

Fee

$5.00

Product or Service

One time ACH Origination

Fee

$15.00

Product or Service

Replace lost ATM Card or Debit Card

Fee

$10.00

Product or Service

External Funds Transfer via Online Banking (3 day processing)

Fee

Free

Product or Service

External Funds Transfer via Online Banking (next day)

Fee

$5.00

Product or Service

Send POP$ (3 day processing)

Fee

$2.00

Product or Service

Send POP$ (next day processing)

Fee

$5.00

Product or Service

Request Money

Fee

$2.00

Product or Service

NSF POP$ & External Funds Transfer

Fee

$35.00

Product or Service

POP$ & External Funds Transfer Inquiry

Fee

$45.00

Product or Service

Payday Loan "Freedom Cash" Application Fee

Fee

$20 

Product or Service

Payday Loan "Freedom Cash" Late Fee

Fee

$15

Product or Service

Fee

Product or Service

Temporary Checks - per page

Fee

$2.00

Product or Service

VISA Gift Cards - per card

Fee

$3.50

Product or Service

- Inactivity fee after 12 consecutive months - per month

Fee

$2.50

Product or Service

- Replacement for lost/stolen card

Fee

$10.00

Product or Service

Safe Deposit Box Annual Rental

Fee

Product or Service

3x5

Fee

$20.00

Product or Service

5x5

Fee

$30.00

Product or Service

3x10

Fee

$40.00

Product or Service

5x10

Fee

$50.00

Product or Service

10x10

Fee

$100.00

Product or Service

Key Deposit - refundable

Fee

$12.00

Product or Service

Box Drilling or Replacement Keys - actual cost

Fee