Rates and Fees
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). |
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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% |
Checking Account Type |
Minimum To Avoid Monthly Service Fee |
---|---|
NOTE: DNCU Business Checking accounts are non-interest bearing. ¹Average Daily Balance *APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. |
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Checking Account Type Copper Business Checking |
Minimum To Avoid Monthly Service Fee $500 ADB¹ |
Checking Account Type Quartz Business Checking |
Minimum To Avoid Monthly Service Fee $2,500 ADB¹ |
Checking Account Type Turquoise Business Checking |
Minimum To Avoid Monthly Service Fee $10,000 ADB¹ |
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. |
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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% |
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. |
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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% |
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). |
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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% |
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 December 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. |
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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% |
Term 60 month |
Dividend Rate 0.60% |
APY** 0.60% |
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 December 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. |
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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% |
Term 60 month |
Dividend Rate 0.65% |
APY** 0.65% |
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 December 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. |
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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% |
Term 60 month |
Dividend Rate 0.70% |
APY** 0.70% |
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% |
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 July 1, 2021. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rates are variable and will adjust based on Prime. |
|
Type of Rate or Fee Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash*** |
Rate or Fee as low as 7.99% |
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 |
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 July 1, 2021. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. |
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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 |
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 July 1, 2021. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rates are variable and will adjust based on Prime. |
|
Type of Rate or Fee Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash*** |
Rate or Fee as low as 9.99% |
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 |
Model Year |
APR*** as low as |
---|---|
DISCLOSURES Loan Rates are current as of May 1, 2022. 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. |
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Model Year 2019–2022 |
APR*** as low as 2.11% |
Model Year 2018 or older |
APR*** as low as 2.81% |
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 1, 2022. 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 |
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Model Year 2011 - 2021 |
APR*** as low as 4.24% |
Model Year 2010 or older1 |
APR*** as low as 5.24% |
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 1, 2022. 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 |
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Model Year 2011 - 2021 |
APR*** as low as 5.29% |
Model Year 2010 or older1 |
APR*** as low as 6.29% |
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. |
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Type of Loan Mobile Home (2021–2011)1 |
APR*** as low as 5.51% |
Type of Loan Mobile Home (2010 or older)1 |
APR*** as low as 5.51% |
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.
Please visit our Mortgages Center to schedule your consultation.
Type of Loan |
APR*** as Low As |
---|---|
DISCLOSURES Loan Rates are current as of May 1, 2022. 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 September 13, 2021. Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes loan amount of $10,000, term of 36 months, minimum FICO score of 730+ and must meet debt to income requirements. Loan subject to $37 processing fee. 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 2.25% |
Type of Loan Unsecured Personal Loan |
APR*** as Low As 9.74% |
Type of Loan Unsecured Revolving Line of Credit† |
APR*** as Low As 11.99% |
Type of Loan Payday Loan "Freedom Cash⊕ |
APR*** as Low As 27.17% |
Account Service |
Fee |
---|---|
Rates and fees effective as of February 23, 2022. |
|
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 - 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 $5.00 |
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 Check Clearing Fee for each check over 50 checks per month - Copper Business Checking |
Fee $0.20 |
Account Service Check Clearing Fee for each check over 100 checks per month - Quartz Business Checking |
Fee $0.20 |
Account Service Check Clearing Fee for each check over 250 checks per month - Turquoise Business Checking |
Fee $0.20 |
Account Service Collection Item (incoming/outgoing) |
Fee $25.00 |
Account Service Courtesy Pay - Courtesy Pay fees apply when an overdraft is created by check, ATM withdrawal, or other electronic means. |
Fee $25.00 |
Account Service Dormant Account (per month) - 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 $10.00 |
Account Service Escheated Accounts - On dormant accounts after 5 years |
Fee $50.00 |
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 assessed if balance falls below $100.00 |
Fee $7.00 |
Account Service Stop Payment - Checking account and bill pay |
Fee $35.00 |
Product or Service |
Fee |
---|---|
Rates and fees effective as of February 23, 2022. |
|
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 Payday Loan "Freedom Cash" Application Fee |
Fee $20 |
Product or Service Payday Loan "Freedom Cash" Late Fee |
Fee $15 |
Product or Service Rush Payment Fee - Online Banking Bill Pay (Next Day) |
Fee $34.95 |
Product or Service Rush Payment Fee - Online Banking Bill Pay (2nd Day) |
Fee $29.99 |
Product or Service Temporary Checks - per page |
Fee $2.00 |
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 |