Savings Rates | | As of August 18, 2010 | Average Monthly Balance to Earn Dividends | RATE | APY* | | Regular Savings | $250 | .30% | .30% | | Special Savings | $250 | .30% | .30% | | Insurance or Tax Savings | $250 | .30% | .30% | | Holiday Savings Club | $200 | .75% | .75% | | Kid's Club Savings | $200 | .50% | .50% | *APY Is The Annual Percentage Yield. All rates are subject to change. Dividends are paid monthly. EARN ADDITIONAL .15% ON REGULAR SHARE SAVINGS WITH CHECKING ACCOUNT AND DIRECT DEPOSIT |
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| | As of August 18, 2010 | MINIMUM DEPOSIT | RATE | APY* | | 3-Months | $1,000** | .65% | .65% | | 6-Months | $1,000** | .75% | .75% | | 1-Year | $1,000** | 1.00% | 1.00% | | 2-Year | $1,000** | 1.19% | 1.20% | | 3-Year | $1,000** | 1.44% | 1.45% | *APY Is The Annual Percentage Yield. All rates are subject to change. The rates for Share Certificates will be set the first of every month. Dividends are paid monthly. EARN ADDITIONAL .15% WITH CHECKING ACCOUNT AND DIRECT DEPOSIT **Kid's Club minimum required balance is $100.00 (NOT ELIGIBLE FOR SPECIALS) |
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| | As of August 18, 2010 | Minimum Deposit to Earn Dividends | RATE | APY* | | Share IRA | $200** | .50% | .50% | | 3-Month Certificate | $1,000 | .65% | .65% | | 6-Month Certificate | $1,000 | .75% | .75% | | 12-Month Certificate | $1,000 | 1.00% | 1.00% | | 24-Month Certificate | $1,000 | 1.19% | 1.20% | | 36-Month Certificate | $1,000 | 1.44% | 1.45% | *APY Is The Annual Percentage Yield. All rates are subject to change. The rates for IRAs will be set the first of every month. Dividends are paid monthly for Certificate IRAs. Dividends are paid monthly for Share IRAs. Special certificate rates are not applicable to IRAs.
** No minimum balance for Share IRA. Average daily balance of $200.00 to earn dividends. |
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Checking Account Rates| MONEY MARKET CHECKING ACCOUNTS | |
| | As of August 18, 2010 | Minimum Deposit to Earn Dividends RATE | Minimum Deposit to Earn Dividends APY* | | $0 - $2,499.99 | Ineligible for dividends | Ineligible for dividends | | $2,500 - $9,999.99 | .45% | .45% | | $10,000 - $24,999.99 | .55% | .55% | | $25,000 - $49,999.99 | .70% | .70% | | $50,000 - $99,999.99 | .85% | .85% | | $100,000.00 and above | .90% | .90% | *APY Is The Annual Percentage Yield. All rates are subject to change. The rates for Money Market Accounts will be set the first of every month. Dividends will be paid monthly. EARN ADDITIONAL .15% WITH CHECKING ACCOUNT AND DIRECT DEPOSIT |
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| SHARE DRAFT CHECKING ACCOUNTS | |
| | As of August 18, 2010 | Minimum Deposit to Earn Dividends RATE | Minimum Deposit to Earn Dividends APY* | | $0 - $199.99 | Ineligible for dividends | Ineligible for dividends | | $200.00 and above | .25% | .25% | | *APY Is The Annual Percentage Yield. All rates are subject to change. Dividends are paid monthly. |
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Loan Rates | | As of August 18, 2010 | Annual Percentage Rates (APR) As Low As: | Maximum Term Available | Maximum Loan Amount
| | New Vehicle | as low as 4.49% with 36 month term and qualifying credit score (includes .50% discount for checking account and direct deposit)
| 72-Months | 100% of NADA retail price of collateral vehicle | | Used Vehicle | as low as 4.74% with 36 month term and qualifying credit score (includes .50% discount for checking account and direct deposit)
| 72-Months | 100% of NADA retail price of collateral vehicle | | Home Equity | as low as
3.75% with qualifying credit score
Variable rate based on prime | 60-240 Months Determined by credit limit | Up to 95% of your home's equity | | Second Mortgage | as low as
5.50% fixed rate with 60 month term; qualifying credit score and not exceeding 80% loan to value
| Maximum Term of 180 months | Up to 95% of your home's equity | | Share Secured | 3.40% | 60-Months | Available balance
| | Unsecured Signature | as low as
9.40% Fixed with qualifying credit score | 48-Months | Based on individual credit score and gross monthly income | | Overdraft Protection Line of Credit | 15.90% | Reviewed every two years | Minimum Line: $500
Maximum Line: $1,000 | | VISA Platinum Rewards Credit Card | as low as
8.90% Fixed with qualifying credit score | None | Based on individual credit score and gross monthly income | | *All loans are subject to approval and credit evaluation. Annual Percentage Rates (APR) are based on individual credit scores and credit history. A New Vehicle is any vehicle with a mileage total of 10,000 or less confirmed on the Vehicle Odometer Disclosure for current year models and 1 year old models. |
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NOTICE: All loans are simple interest. With the exception of our Home Equity Loan, most loans are approved within 24-business hours. DIEBOLD FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER
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