Checking Account Type	Minimum To Earn APY	Dividend Rate	APY*
DISCLOSURES Deposit Rates are current as of July 18, 2023. 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 Rate for Money Market is 0.75%, rate varies based on amount in account.
Checking Account Type Express (Basic)	Minimum To Earn APY $0	Dividend Rate 0.00%	APY* 0.00%
Checking Account Type Star	Minimum To Earn APY $1000	Dividend Rate 0.05%	APY* 0.05%
Checking Account Type Free 4 Me	Minimum To Earn APY $0	Dividend Rate 0.00%	APY* 0.00%
Checking Account Type Money Market	Minimum To Earn APY $2000	Dividend Rate Min 0.75%	APY* 0.75%

Savings Type	Dividend Rate	APY*
DISCLOSURES Minimum Balance to Open of $5.00. Deposit Rates are current as of May 15, 2023. 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 Primary Savings Accounts is $5.00. Minimum average daily balance to obtain APY for Holiday Savings Accounts is $10.00.
Savings Type Primary Savings with Average Daily Balance of $5.00 - $1,999.99	Dividend Rate 0.10%	APY* 0.10%
Savings Type Primary Savings with Average Daily Balance of $2,000 - $9,999	Dividend Rate 0.10%	APY* 0.10%
Savings Type Primary Savings with Average Daily Balance of $10,000 - $24,999	Dividend Rate 0.10%	APY* 0.10%
Savings Type Primary Savings with Average Daily Balance of $25,000 - $49,999	Dividend Rate 0.15%	APY* 0.15%
Savings Type Primary Savings with Average Daily Balance of $50,000	Dividend Rate 0.20%	APY* 0.20%
Savings Type Holiday Savings Account	Dividend Rate 0.25%	APY* 0.25%
Savings Type IRA Savings Account	Dividend Rate 0.25%	APY* 0.25%

Savings Type	Dividend Rate	APY*
Minimum Balance To Open of $5.00. Deposit Rates are current as of May 15, 2023. 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 primary savings and $10 for holiday savings.
Savings Type Baxter’s Bunch	Dividend Rate Primary Savings Dividend Rate 0.25%	APY* 0.25%
Savings Type Score! Teen Program	Dividend Rate Primary 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 May 15, 2023. 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). ^DNCU will charge a service fee for more than three checks. Other fees may apply, please see our List of Fees for a complete list. Money Market Checking Accounts do not qualify for Courtesy Pay and may not be used with Bill Pay.
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $2,000-$9,999.99	Dividend Rate 0.75%	APY* 0.75%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $10,000-$24,999.99	Dividend Rate 0.80%	APY* 0.80%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $25,000-$49,999.99	Dividend Rate 1.00%	APY* 1.00%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $50,000-$99,999.99	Dividend Rate 1.25%	APY* 1.26%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $100,000	Dividend Rate 1.50%	APY* 1.51%

Term	Dividend Rate	APY**
DISCLOSURES $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of September 25, 2023. Rates and Fees may change at any time 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 2.95%	APY** 2.99%
Term 6 month	Dividend Rate 4.45%	APY** 4.55%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.45%	APY** 4.55%
Term 12 month	Dividend Rate 4.45%	APY** 4.55%
Term 18 month	Dividend Rate 3.70%	APY** 3.77%
Term 24 month	Dividend Rate 3.45%	APY** 3.51%
Term 36 month	Dividend Rate 3.20%	APY** 3.25%
Term 48 month	Dividend Rate 3.05%	APY** 3.10%
Term 60 month	Dividend Rate 3.05%	APY** 3.10%

Term	Dividend Rate	APY**
DISCLOSURES $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of September 25, 2023. Rates and Fees may change at any time 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 3.00%	APY** 3.05%
Term 6 month	Dividend Rate 4.50%	APY** 4.60%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.50%	APY** 4.60%
Term 12 month	Dividend Rate 4.50%	APY** 4.60%
Term 18 month	Dividend Rate 3.75%	APY** 3.82%
Term 24 month	Dividend Rate 3.50%	APY** 3.56%
Term 36 month	Dividend Rate 3.25%	APY** 3.30%
Term 48 month	Dividend Rate 3.10%	APY** 3.15%
Term 60 month	Dividend Rate 3.10%	APY** 3.15%

Term	Dividend Rate	APY**
DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of September 25, 2023. 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 3.05%	APY** 3.10%
Term 6 month	Dividend Rate 4.55%	APY** 4.65%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.55%	APY** 4.65%
Term 12 month	Dividend Rate 4.55%	APY** 4.65%
Term 18 month	Dividend Rate 3.80%	APY** 3.87%
Term 24 month	Dividend Rate 3.55%	APY** 3.61%
Term 36 month	Dividend Rate 3.30%	APY** 3.35%
Term 48 month	Dividend Rate 3.15%	APY** 3.20%
Term 60 month	Dividend Rate 3.15%	APY** 3.20%

Dividend Rate	APY**
DISCLOSURES $10.00 Minimum Balance to obtain APY. Minimum Balance to Open of $50.00. Requires a $50 minimum monthly deposit for nine months. Deposit Rates are current as of May 15, 2023. 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 0.25%	APY** 0.25%

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 any time without notice. Please contact a lender for detail on current rates and terms. Rates are current as of July 3, 2023. Monthly payment will typically 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 12.99%
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 3, 2023. Monthly payment will be 3% of average monthly balance or $15, whichever is greater.
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

New and Used Auto Loans - Cars & Trucks
Model Year	APR*** as low as
DISCLOSURES Loan Rates are current as of September 28, 2023. 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 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Electric & Hybrid Vehicle Program – Max Term 84 Months, Discounts cannot be combined -0.25% Auto Loans – LTV <90% not including GAP, MBP or DP)
Model Year 2020-2023	APR*** as low as 6.39%
Model Year 2019 or older	APR*** as low as 7.69%

Powersports
Model Year	APR*** as low as
DISCLOSURES Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-by-Side, 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 5, 2023. 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. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. ¹Model 10+ years old
Model Year 2013 - 2023	APR*** as low as 7.74%
Model Year 2012 or older¹	APR*** as low as 8.74%

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 September 28, 2023. 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. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. ¹Model 10+ years old
Model Year 2013 - 2023	APR*** as low as 8.30%
Model Year 2012 or older¹	APR*** as low as 8.24%

Personal Loans
Type of Loan	APR*** as Low As
DISCLOSURES Loan Rates are current as of September 28, 2023. 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 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. Full Payroll Deposit and Automatic Payments -0.50%
Type of Loan Share or Certificate Secured‡	APR*** as Low As 2.00%
Type of Loan Unsecured Personal Loan	APR*** as Low As 10.49%
Type of Loan Unsecured Revolving Line of Credit^†	APR*** as Low As 12.99%
Type of Loan Payday Loan "Freedom Cash^⊕	APR*** as Low As 27.17%

Type of Loan	APR*** as low as
DISCLOSURES Loan Rates are current as of May 5, 2023. 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 (2023–2013)	APR*** as low as 9.36%
Type of Loan Mobile Home (2013 or older)¹	APR*** as low as 9.36%

Account Service	Fee
Rates and fees effective as of April 23, 2023.
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 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. A fee may overdraft an account and result in multiple fees.	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 - an item may be present more than once and result in multiple fees.	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 April 23, 2023.
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

Checking Account Type	Minimum Average Daily Balance To Avoid Monthly Service Fee*
NOTE: dncuBusiness Checking accounts are non-interest bearing. *Minimum average daily balance must be maintained at all times.
Checking Account Type Copper Business Checking	Minimum Average Daily Balance To Avoid Monthly Service Fee* $500
Checking Account Type Quartz Business Checking	Minimum Average Daily Balance To Avoid Monthly Service Fee* $2,500
Checking Account Type Turquoise Business Checking	Minimum Average Daily Balance To Avoid Monthly Service Fee* $10,000

Savings Type	Dividend Rate	APY*
DISCLOSURES Minimum Balance to Open of $5.00. Deposit Rates are current as of May 15, 2023. 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.
Savings Type Business Savings with Average Daily Balance of $5.00 - $1,999.99	Dividend Rate 0.10%	APY* 0.10%
Savings Type Business Savings with Average Daily Balance of $2,000 - $9,999	Dividend Rate 0.10%	APY* 0.10%
Savings Type Business Savings with Average Daily Balance of $10,000 - $24,999	Dividend Rate 0.10%	APY* 0.10%
Savings Type Business Savings with Average Daily Balance of $25,000 - $49,999	Dividend Rate 0.15%	APY* 0.15%
Savings Type Business Savings with Average Daily Balance of $50,000	Dividend Rate 0.20%	APY* 0.20%


Rates and fees effective as of October 3, 2022.
On Us Business Checks Deposited/Cleared (per item/transaction; after exceeding allowable free transactions based on account type)	$0.20
Account Balancing/Research (per hour)	$20.00
Account Closure Fee (within 3 months of opening)	$5.00
Levy/Garnishment fee (per processed item)	$25.00
Non-Sufficient Funds (NSF) Items- NSF Fee	$30.00
Return Item Fee	$25.00
Stop Payment (per ACH, check item, bill pay, and external transfers)	$35.00
Dormant Account (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 or loans)	$10.00
Escheatment Fee (on dormant accounts after five years)	$50.00
Return Mail	$5.00
ATM Usage Fee- per withdrawal at out of network ATMs	$1.50


Rates and fees effective as of October 4, 2022
Check Cashing Fee	$5.00
Copy of Statement (FREE through online banking)	$3.00
Copy of Draft (FREE through online banking)	$3.00
ACH Processing	FREE
Desktop Remote Deposit Capture (RDC) Monthly Fee-(must purchase scanner)	$25.00
Remote Deposit Capture-Mobile	Free
Cashiers Check	$2.50
Domestic Wire Transfer (outgoing)	$15.00
International Wire Transfer (outgoing)-plus exchange fees	$50.00
Notary Public Fee-(per notarized document)-FREE for members	$5.00
Temporary Check Fee (per page)	$2.00
ATM or Debit Card Replacement	$10.00
Foreign Collection/Chargeback Item Return Fee	$25.00
Debit Card International Processing Transaction Fee	1% of transaction