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Home loan rates

Rates as low as Annual Percentage Rate as low as
30-Year FixedView RatesView Rates
20-Year FixedView RatesView Rates
15-Year FixedView RatesView Rates
10-Year FixedView RatesView Rates
9-Year FixedView RatesView Rates
8-Year FixedView RatesView Rates
7-Year FixedView RatesView Rates

Rates effective 9/24/2024

Rates as low as Annual Percentage Rate as low as
HELOC8.00%8.000% APR
Flex Equity8.00%7.522% APR
Future Value9.50%8.363% APR
Conventional Equity (10-Years)7.25%7.250% APR Fixed
Conventional Equity (7-Years)7.00%7.000% APR Fixed
Conventional Equity (5-Years)6.50%6.500% APR Fixed
  • Home Equity Line of Credit APR = Annual Percentage Rate. Prime rate as published in the Wall Street Journal 10 days prior to the change date. Rate is subject to change annually. Your rate will never be less than 4% or exceed 6% over initial rate or the maximum allowed by law. Actual payment may vary based on amount, term, APR, taxes and insurance, and other factors. Homeowner insurance required. All loan terms and conditions are subject to Credit Union qualifications and approval. Must have a credit union membership established and in good standing. Some restrictions may apply.

  • Flex Equity Annual Percentage Rate. Rate subject to change without notice. 20 year 5/1 ARM: Adjustable Rate Payment Example based on a loan amount of $50,000 and a loan-to-value of 80%: 5/1 adjustable rate with a 7.522% APR, the first 60 payments are $419.45, with 12 payments at $484.26 if the rate were to adjust to 10.00%, 12 payments at $552.88 if the rate were to adjust to 12.00%, 12 payments at $624.78 if the rate were to adjust to 14.00%. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance or homeowner association dues. Payment examples were calculated using the initial payment period, and then each payment thereafter was calculated using the maximum rate allowed for each rate change period until maximum rate achieved. Rate and payment will adjust annually based on the index and loan terms through the life of the loan for the continued repayment period. Example for informational purposes only. Actual payments may be higher. Homeowner insurance required. Minimum loan amount $10,000; maximum $1,000,000. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.

  • Future Value Home Equity APR = Annual Percentage Rate. Rate subject to change without notice. 20 year 5/1 ARM: Adjustable Rate Payment Example based on a loan amount of $50,000: 5/1 adjustable rate with a 8.363% APR, the first 60 payments are $467.23, with 12 payments at $534.80 if the rate were to adjust to 11.50%, 12 payments at $605.74 if the rate were to adjust to 13.50%, 12 payments at $679.52 if the rate were to adjust to 15.50%. Payment example does not include taxes or insurance premiums and actual payment may be greater. Payment examples were calculated using the initial payment period, and then each payment thereafter was calculated using the maximum rate allowed for each rate change period until maximum rate achieved. Rate and payment will adjust annually based on the index and loan terms through the life of the loan for the continued repayment period. Example for informational purposes only. Homeowner insurance required. Minimum loan amount $25,000; maximum $200,000. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.

  • Conventional Equity APR = Annual Percentage Rate. Rate subject to change without notice. Payment Example: 6.500% APR for a fixed rate with a term of 60 months monthly principal and interest payments of $978.31, based on a loan amount of $50,000 and a loan-to-value of 80%. 7.000% APR for a fixed rate with a term of 84 months monthly principal and interest payments of $754.63, based on a loan amount of $50,000 and a loan-to-value of 80%. 7.250% APR for a fixed rate with a term of 120 months monthly principal and interest payments of $587.01, based on a loan amount of $50,000 and a loan-to-value of 80%. Minimum loan amount $10,000, Maximum loan amount $1,000,000. Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowner association dues. Actual payments may vary based on amount, term, APR, taxes and insurance, and other factors. Homeowner insurance required. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.

Auto

Rates effective 9/9/2024

2022 & Newer Models

Term APR as low as
up to 36 months5.40% Fixed
up to 48 months5.64% Fixed
up to 60 months5.74% Fixed
up to 66 months5.94% Fixed
up to 72 months6.14% Fixed
up to 84 months7.04% Fixed

2020-2021 Models

Term APR as low as
up to 36 months6.44% Fixed
up to 48 months6.64% Fixed
up to 60 months6.74% Fixed
up to 66 months7.04% Fixed
up to 72 months7.14% Fixed

2018-2019 Models

Term APR as low as
up to 36 months7.54% Fixed
up to 48 months7.74% Fixed
up to 60 months7.84% Fixed
up to 66 months8.14% Fixed
up to 72 months8.24% Fixed

2017 & Older Models

Term APR as low as
up to 36 months8.14% Fixed
up to 60 months9.14% Fixed
  • APR = Annual Percentage Rate. Rates may vary based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must have Credit Union membership established and be in good standing.

  • New Auto (2022 & Newer Models) New Auto payment example APR’s are based on term with a monthly payment per $20,000 financed (5.40% APR/36 mo, $603.02; 5.64% APR/48 mo, $466.41; 5.74% APR/60 mo, $384.24; 5.94% APR/66 mo, $355.96; 6.14% APR/72 mo, $332.78; 7.04% APR/84 mo, $302.24).

  • Used Auto (2020-2021 Models) Used Auto payment example APR’s are based on term with a monthly payment per $20,000 financed (6.44% APR/36 mo, $612.43; 6.64% APR/48 mo, $475.59; 6.74% APR/60 mo, $393.58; 7.04% APR/66 mo, $366.35; 7.14% APR/72 mo, $342.33).

  • Used Auto (2018-2019 Models) Used Auto payment example APR’s are based on term with a monthly payment per $20,000 financed (7.54% APR/36 mo, $622.49; 7.74% APR/48 mo, $485.82; 7.84% APR/60 mo, $404.00; 8.14% APR/66 mo, $376.92; 8.24% APR/72 mo, $353.01).

  • Used Auto (2017 & Older Models) Used Auto payment example APR’s are based on term with a monthly payment per $20,000 financed (8.14% APR/36 mo, $628.02; 9.14% APR/60 mo, $416.53).

Rates effective 9/9/2024

2022 & Newer Models

Term APR as low as
up to 36 months6.40% Fixed
up to 48 months6.64% Fixed
up to 60 months6.74% Fixed
up to 66 months6.94% Fixed
up to 72 months7.14% Fixed
up to 84 months8.04% Fixed

2020-2021 Models

Term APR as low as
up to 36 months7.44% Fixed
up to 48 months7.64% Fixed
up to 60 months7.74% Fixed
up to 66 months8.04% Fixed
up to 72 months8.14% Fixed

2018-2019 Models

Term APR as low as
up to 36 months8.54% Fixed
up to 48 months8.74% Fixed
up to 60 months8.84% Fixed
up to 66 months9.14% Fixed
up to 72 months9.24% Fixed

2017 & Older Models

Term APR as low as
up to 36 months9.14% Fixed
up to 60 months10.14% Fixed
  • APR = Annual Percentage Rate. Rates may vary based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must have Credit Union membership established and be in good standing.

  • New Motorcycle (2022 & Newer Models) New Motorcycle payment example APR’s are based on term with a monthly payment per $20,000 financed (6.40% APR/36 mo, $612.07; 6.64% APR/48 mo, $475.59; 6.74% APR/60 mo, $393.58; 6.94% APR/66 mo, $365.40; 7.14% APR/72 mo, $342.33; 8.04% APR/84 mo, $302.24).

  • Used Motorcycle (2020-2021 Models) Used Motorcycle payment example APR’s are based on term with a monthly payment per $20,000 financed (7.44% APR/36 mo, $621.57; 7.64% APR/48 mo, $484.89; 7.74% APR/60 mo, $403.04; 8.04% APR/66 mo, $375.95; 8.14% APR/72 mo, $352.03).

  • Used Motorcycle (2018-2019 Models) Used Motorcycle payment example APR’s are based on term with a monthly payment per $20,000 financed (8.54% APR/36 mo, $631.72; 8.74% APR/48 mo, $495.24; 8.84% APR/60 mo, $413.62; 9.14% APR/66 mo, $386.68; 9.24% APR/72 mo, $362.90).

  • Used Motorcycle (2017 & Older Models) Used Motorcycle payment example APR’s are based on term with a monthly payment per $20,000 financed (9.14% APR/36 mo, $637.30; 10.14% APR/60 mo, $426.32).

Rates effective 9/9/2024

2022 & Newer Models

Term APR as low as
up to 36 months6.40% Fixed
up to 48 months6.64% Fixed
up to 60 months6.74% Fixed
up to 66 months6.94% Fixed
up to 72 months7.14% Fixed
up to 84 months8.04% Fixed

2020-2021 Models

Term APR as low as
up to 36 months7.44% Fixed
up to 48 months7.64% Fixed
up to 60 months7.74% Fixed
up to 66 months8.04% Fixed
up to 72 months8.14% Fixed

2018-2019 Models

Term APR as low as
up to 36 months8.54% Fixed
up to 48 months8.74% Fixed
up to 60 months8.84% Fixed
up to 66 months9.14% Fixed
up to 72 months9.24% Fixed

2017 & Older Models

Term APR as low as
up to 36 months9.14% Fixed
up to 60 months10.14% Fixed
  • APR = Annual Percentage Rate. Rates may vary based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must have Credit Union membership established and be in good standing.

  • New Boat (2022 & Newer Models) New Boat Payment Example APR’s are based on term with a monthly payment per $20,000 financed (6.40% APR/36 mo, $612.07; 6.64% APR/48 mo, $475.59; 6.74% APR/60 mo, $393.58; 6.94% APR/66 mo, $365.40; 7.14% APR/72 mo, $342.33; 8.04% APR/84 mo, $312.12).

  • Used Boat (2020-2021 Models) Used Boat Payment Example APR’s are based on term with a monthly payment per $20,000 financed (7.44% APR/36 mo, $621.57; 7.64% APR/48 mo, $484.89; 7.74% APR/60 mo, $403.04; 8.04% APR/66 mo, $375.95; 8.14% APR/72 mo, $352.03).

  • Used Boat (2018-2019 Models) Used Boat Payment Example APR’s are based on term with a monthly payment per $20,000 financed (8.54% APR/36 mo, $631.72; 8.74% APR/48 mo, $495.24; 8.84% APR/60 mo, $413.62; 9.14% APR/66 mo, $386.68; 9.24% APR/72 mo, $362.90).

  • Used Boat (2017 & Older Models) Used Boat Payment Example APR’s are based on term with a monthly payment per $20,000 financed (9.14% APR/36 mo, $637.30; 10.14% APR/60 mo, $426.32).

Rates effective 9/9/2024

2022 & Newer Models

Term APR as low as
up to 36 months6.40% Fixed
up to 48 months6.64% Fixed
up to 60 months6.74% Fixed
up to 66 months6.94% Fixed
up to 72 months7.14% Fixed
up to 84 months8.04% Fixed

2020-2021 Models

Term APR as low as
up to 36 months7.44% Fixed
up to 48 months7.64% Fixed
up to 60 months7.74% Fixed
up to 66 months8.04% Fixed
up to 72 months8.14% Fixed

2018-2019 Models

Term APR as low as
up to 36 months8.54% Fixed
up to 48 months8.74% Fixed
up to 60 months8.84% Fixed
up to 66 months9.14% Fixed
up to 72 months9.24% Fixed

2017 & Older Models

Term APR as low as
up to 36 months9.14% Fixed
up to 60 months10.14% Fixed
  • APR = Annual Percentage Rate. Rates may vary based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must have Credit Union membership established and be in good standing.

  • New RV (2022 & Newer Models) New RV Payment Example APR’s are based on term with a monthly payment per $20,000 financed (6.40% APR/36 mo, $612.07; 6.64% APR/48 mo, $475.59; 6.74% APR/60 mo, $393.58; 6.94% APR/66 mo, $365.40; 7.14% APR/72 mo, $342.33; 8.04% APR/84 mo, $312.12).

  • Used RV (2020-2021 Models) Used RV Payment Example APR’s are based on term with a monthly payment per $20,000 financed (7.44% APR/36 mo, $621.57; 7.64% APR/48 mo, $484.89; 7.74% APR/60 mo, $403.04; 8.04% APR/66 mo, $375.95; 8.14% APR/72 mo, $352.03).

  • Used RV (2018-2019 Models) Used RV Payment Example APR’s are based on term with a monthly payment per $20,000 financed (8.54% APR/36 mo, $631.72; 8.74% APR/48 mo, $495.24; 8.84% APR/60 mo, $413.62; 9.14% APR/66 mo, $386.68; 9.24% APR/72 mo, $362.90).

  • Used RV (2017 & Older Models) Used RV Payment Example APR’s are based on term with a monthly payment per $20,000 financed (9.14% APR/36 mo, $637.30; 10.14% APR/60 mo, $426.32).

Personal

Rates effective 6/1/2024
Term APR as low as
Up to 24 months9.49% APR Fixed
25 to 36 Months10.49% APR Fixed
37 to 48 Months11.49% APR Fixed
49 to 60 Months13.49% APR Fixed
APR as low as
13.88% APR
Term APR as low as
6 to 24 Months9.99% APR Fixed
Term APR as low as
Up to 36 months
(or longer with a share savings certificate)
2.05% APR
  • Personal Loans APR = Annual Percentage Rate. Rates may vary based on creditworthiness. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must be a member in good standing. Payment Example: Personal Loan APR’s are based on term with a monthly payment per $1,000 financed (9.49% APR/24 mo, $45.91; 10.49% APR/36 mo, $32.50; 11.49% APR/48 mo, $26.08; 13.49% APR/60 mo, $23.00).

  • Personal Line of Credit APR = Annual Percentage Rate. Rates as low as 13.88% APR. No annual fee. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Must be a Member in good standing. Other rates/terms available.

  • Credit Builder Loans APR = Annual Percentage Rate. Payment example; a $1,000 loan for 24 months with a 9.99% APR would result in a monthly payment of $46.14. Minimum loan amount of $500. Maximum loan amount $2,500. All loans, terms and conditions are subject to Credit Union qualifications & approval. Rates are subject to change without notice. Must be a member in good standing.

  • Savings-Secured Loan APR = Annual Percentage Rate. APR is 2% above the share savings rate for terms up to 36 months; savings certificate rate for terms up to 60 months. Payment example: a $5,000 loan for 36 months at 2.05% would be a monthly payment of $143.32. Payment example with a Share Savings Certificate: a $5,000 loan for 60 months at 2.15% would be a monthly payment of $87.97. Minimum loan amount of $500. Maximum loan amount $150,000. All loans, terms and conditions are subject to Credit Union qualifications & approval. Rates are subject to change without notice. Must be a member in good standing. Some restrictions may apply. Membership Savings and 60 month savings certificate rates are subject to change without notice. APY is accurate of the last dividend declaration date. See current rates.

Credit Card

DuPage Inspire® Cash Back Signature

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 17.99% to 25.99% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers 17.99% to 25.99% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances 19.99% to 27.99% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • Either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
  • None
  • Penalty Fees
  • Late Payment
  • Over Limit
  • Returned Payment
  •  
  • Up to $25
  • None
  • Up to $25
  • How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

    If you fail to make three consecutive required payments on your account you will be considered in default and all Inspire Cash Back Signature dollars will be forfeited.

    Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa Credit Card Agreement for complete details.)

    Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance transfers may not be used to pay off or down any account issued by DuPage Credit Union.

    Information about the costs of the Credit Card Account described in this disclosure is current as of 5/28/2024. Please contact us at any branch, or by calling or writing the Credit Union if you wish to ascertain what changes, if any, have been made to the Credit Union’s Visa credit card program since that date. PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611.

    View entire Truth-In-Lending Terms and Conditions

    DuPage Imagine Rewards®

    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 12 billing cycles from the date of account opening on qualifying purchases posted within the first 90 days of account opening. After that, your APR will be 19.49% to 27.49% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Balance Transfers 0% Introductory APR on balance transfers requested within the first 90 days of account opening. This will be the rate for the next 12 months of each balance transfer. After that, your APR will be 19.49% to 27.49% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advances 21.49% to 29.49% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Penalty APR and When it Applies None
    How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
    Minimum Interest Charge None
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore
    Fees
    Annual Fee None
    Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  •  
  • Either $5 or 3% of the amount of the transaction, whichever is greater, during the first 90 days with introductory APR. After that, None.
  • Either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
  • None
  • Penalty Fees
  • Late Payment
  • Over Limit
  • Returned Payment
  •  
  • Up to $25
  • None
  • Up to $25
  • How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    If you fail to make three consecutive required payments on your account you will be considered in default and all Imagine Rewards points will be forfeited.

    Current DuPage Credit Union credit cardholders do not qualify to transfer their current outstanding balance from one DuPage Credit Union credit card to another DuPage Credit Union credit card at the introductory promotional rate.

    Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa Credit Card Agreement for complete details.)

    Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance transfers may not be used to pay off or down any account issued by DuPage Credit Union.

    Information about the costs of the Credit Card Account described in this disclosure is current as of 5/28/2024. Please contact us at any branch, or by calling or writing the Credit Union if you wish to ascertain what changes, if any, have been made to the Credit Union’s Visa credit card program since that date. PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611.

    View entire Truth-In-Lending Terms and Conditions.

    DuPage Thrive®

    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 12 billing cycles from the date of account opening on qualifying purchases posted within the first 90 days of account opening. After that, your APR will be 15.75% to 23.75% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Balance Transfers 0% Introductory APR on balance transfers requested within the first 90 days of account opening. This will be the rate for the next 12 months of each balance transfer. After that, your APR will be 15.75% to 23.75% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advances 17.75% to 25.75% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Penalty APR and When it Applies None
    How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
    Minimum Interest Charge None
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore
    Fees
    Annual Fee None
    Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  •  
  • Either $5 or 3% of the amount of the transaction, whichever is greater, during the first 90 days with introductory APR. After that, None.
  • Either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
  • None
  • Penalty Fees
  • Late Payment
  • Over Limit
  • Returned Payment
  •  
  • Up to $25
  • None
  • Up to $25
  • How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    If you are a current DuPage Imagine Rewards® cardholder, by switching to DuPage Thrive® you will forfeit any current Imagine Rewards points. Current DuPage Credit Union credit cardholders do not qualify to transfer their current outstanding balance from one DuPage Credit Union credit card to another DuPage Credit Union credit card at the introductory promotional rate.

    Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa Credit Card Agreement for complete details.)

    Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance transfers may not be used to pay off or down any account issued by DuPage Credit Union.

    Information about the costs of the Credit Card Account described in this disclosure is current as of 5/28/2024. Please contact us at any branch, or by calling or writing the Credit Union if you wish to ascertain what changes, if any, have been made to the Credit Union’s Visa credit card program since that date. PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611.

    View entire Truth-In-Lending Terms and Conditions.

    DuPage Canvas®

    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 21.75% to 29.75% APR
    The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Balance Transfers 21.75% to 29.75% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advances 24.75% to 32.75% APR based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Penalty APR and When it Applies None
    How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
    Minimum Interest Charge None
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore
    Fees
    Annual Fee None
    Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • Either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee).
  • None
  • Penalty Fees
  • Late Payment
  • Over Limit
  • Returned Payment
  •  
  • Up to $25
  • None
  • Up to $25
  • How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in the Wall Street Journal the last business day of the previous calendar quarter. When a change In the Prime Rate occurs, the resulting new APR’s will apply to balances on your account starting with your next monthly billing cycle. (See the Visa Credit Card Agreement for complete details.)

    Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance transfers may not be used to pay off or down any account issued by DuPage Credit Union.

    Information about the costs of the Credit Card Account described in this disclosure is current as of 5/28/2024. Please contact us at any branch, or by calling or writing the Credit Union if you wish to ascertain what changes, if any, have been made to the Credit Union’s Visa credit card program since that date. PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611.

    View entire Truth-In-Lending Terms and Conditions.

    Savings & Checking

    Rates declared for month ending 9/30/2024
    Annual Percentage Yield Dividend Rate
    Membership Savings0.05%0.05%
    Special Savings0.05%0.05%
    Mortgage Savings Plan0.05%0.05%

    High-Yield Savings

    Balance Annual Percentage Yield Dividend Rate
    Up to $55,0001.00%1.00%
    Over $55,0000.05%0.05%
    • Membership Savings APY = Annual Percentage Yield. Rates are subject to change without notice. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Earnings may be reduced if fees are incurred. Accounts will not earn dividends until balance reaches $100. Minimum balance to open a Membership Savings account is $5.00.

    • High-Yield Savings Account APY = Annual Percentage Yield. No minimum balance requirements apply to this account. This is a tiered dividend rate savings account. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Daily balances up to $55,000 will earn the higher dividend rate. Balances $55,000 or more will earn the stated Membership Savings rate. You must meet the following requirements to earn the High-Yield Savings account annual percentage yield; otherwise, dividends will be paid at the stated Membership Savings rate. See current rates. Must have a Cash Back Checking account or High-Yield Checking account and meet the minimum requirements each month. If at any time the Cash Back or High-Yield Checking account is closed, the High-Yield Savings account will also be closed. Earning may be reduced if fees are incurred. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

    • Special Savings APY = Annual Percentage Yield. Rates are subject to change without notice. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Minimum balance to open the account and to earn dividends is $0. Earning may be reduced if fees are incurred.

    • Mortgage Savings APY = Annual Percentage Yield. Rates are subject to change without notice. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Minimum balance to open the account and to earn dividends is $0. Earning may be reduced if fees are incurred.

    Rates effective 10/1/2024

    Jumbo Money Market Account

    Balance Annual Percentage Yield Dividend Rate
    $250,000 and more0.40%0.40%
    $100,000 – $249,9990.25%0.25%
    $55,000 – $99,9990.15%0.15%
    $0 – $54,9990.00%0.00%

    Money Market Account

    Balance Annual Percentage Yield Dividend Rate
    $50,000 and more0.15%0.15%
    $25,000 – $49,9990.10%0.10%
    $10,000 – $24,9990.07%0.07%
    $500 – $9,9990.05%0.05%
    $0 – $4990.00%0.00%
    • Jumbo Money Market Account and Money Market Account APY = Annual Percentage Yield. Rates are subject to change without notice. The rates may change after the account is opened. APY is accurate of the last dividend declaration date. No dividends paid on days when balance falls below $500 for the Money Market Account or $55,000 for the Jumbo Money market Account. Dividends are compounded daily and paid monthly. Earnings may be reduced if fees are incurred.

    Rates effective 10/1/2024

    Share Savings Certificate ($1,000 minimum investment)

    Term Annual Percentage Yield Dividend Rate
    3-Month2.78%2.75%
    6-Month3.04%3.00%
    9-Month4.07%4.00%
    12-Month2.02%2.00%
    14-Month3.04%3.00%
    18-Month1.00%1.00%
    24-Month1.00%1.00%
    30-Month1.00%1.00%
    36-Month1.00%1.00%
    48-Month1.00%1.00%
    60-Month1.00%1.00%
    • Share Savings Certificate APY = Annual Percentage Yield. Rates accurate as of 10/1/2024. Rates and Terms are subject to change without notice. The APY may change based on current dividend rates at the time of maturity. APY is accurate of the last dividend declaration date. The APY assumes that all funds will remain on deposit until maturity. Dividends are compounded monthly and paid monthly. A minimum investment of $1,000 is required to open and to earn dividends. Early withdrawal penalties may apply. Earnings may be reduced if fees or penalty are incurred.

    Rates effective 10/1/2024
    Annual Percentage Yield Dividend Rate Minimum Earning Balance
    High-Yield Checking5.12%5.00%$0
    Premier Checking0.05%0.05%$1,000
    Cash Back Checking0.00%0.00%$0
    Core Checking0.00%0.00%$0
    Student Checking
    (This account is no longer available)
    0.00%0.00%$0
    • High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 5.12% APY on checking balances up to a maximum of $15,000. Balances above $15,000 will be paid the stated Membership Savings Rate. See current rates. APY is accurate as of the last dividend declaration date. Checking dividends may change after the account is opened and is subject to change on a monthly basis. To qualify for the higher APY, you must meet the following requirements; otherwise, the APY will be paid at the stated Membership Savings rate on the entire balance of the account: be enrolled to receive eStatements; and spend a minimum of $1,200 during the previous billing cycle with a DuPage Credit Union Visa® Credit Card on qualifying purchases (net spend for the previous statement cycle). ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may not be eligible for the higher APY. In addition, purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible for the higher APY. No minimum balance requirements apply to this account. No monthly maintenance fee. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

    • Premier Checking APY = Annual Percentage Rate. Premier Checking dividend provides a 0.05% APY. APY is accurate as of the last dividend date. Dividends may change after the account is opened and is subject to change on a monthly basis. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Dividends are compounded and paid monthly. The minimum balance required to open the Premier Checking account is $1,000 and the minimum balance to earn dividends is $1,000. You must maintain a minimum daily balance of $1,000 in your account to avoid a monthly fee. Fees may reduce earnings. Other restrictions may apply. Member must be in good standing.

    • Cash Back Checking Earn 0.50% cash back on up to $5,000 on net qualifying purchases every month with your DuPage Credit Union Visa® debit card. To qualify for the benefits of this account, you must meet the following requirements otherwise they are forfeited for that monthly cycle: spend a minimum $500 with your DuPage Credit Union debit card; and be enrolled to receive eStatements. No monthly service fees or minimum balance requirements apply to this account. ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may not be eligible for Cash Back Rewards. In addition, purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible for Cash Back Rewards. A maximum of $300 cash back may be earned per year. Cash Back Rewards will be credited to your Cash Back Checking account on the last day of the month. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

    • Core Checking Account No monthly service fees or minimum balance requirements apply to this account. Core Checking accounts do not earn dividends. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

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    Routing Number:
    271990198