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A reminder that Memorial Day is Monday, May 27th, and our offices will be closed. Saturday, May 25th hours for our Rio Rancho, Española-Riverside, and Cerrillos-Santa Fe locations will be open from 9 am – 1 pm.

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Rates and Fees

Rates and Fees

Express and Star Checking

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%

Open Now

Share (Savings) Accounts

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%

Open Now

Youth Savings Accounts

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%

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 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%

Open Now

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

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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

Open Now

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

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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

Open Now

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

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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

Open Now

Certificate Builder Share Account

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%

Open Now

DNCU Reward 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 any time without notice. Please contact a lender for detail on current rates and terms. Rates are current as of October 1, 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 13.24%

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

DNCU 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 October 1, 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

Apply Now

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

2020-2024

APR*** as low as

6.52%

Model Year

2019 or older

APR*** as low as

7.82%

APPLY NOW

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 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, $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%

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 September 29, 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

9.30%

Apply Now

Mobile Home Loans

Type of Loan

APR*** as low as

DISCLOSURES

Loan Rates are current as of September 29, 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

10.18%

Type of Loan

Mobile Home (2013 or older)1

APR*** as low as

10.18%

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 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

2.25%

Type of Loan

Unsecured Personal Loan

APR*** as Low As

10.75%

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%

Apply Now

Click to Open the Personal Fee Schedule

Schedule of Fees-Personal 11.15.2023

Business Checking

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

Business Savings

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%

Business Money Market

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).

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*

1.25%

Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle

$100,000

Dividend Rate

1.50%

APY*

1.51%

Business Certificates - $1,000+ Minimum Balance

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 Sepetmber 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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

Business Certificates - $10,000+ Minimum Balance

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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

Business Certificates - $100,000+ Minimum Balance

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 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

3.05%

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

13 month Special

Dividend Rate

5.50%

APY**

5.65%

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%

DNCU Business Visa 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 October 1, 2023.

Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rates are variable and will adjust based on WSJ Prime.

Type of Rate or Fee

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

Rate or Fee

as low as 13.24%

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

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Schedule of Fees-Business 11.15.2023