RATES

One-stop-shop for today's low rates.

Home

Home loan rates

RateAnnual Percentage Rate
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 11/01/2021

RateAnnual Percentage Rate
HELOC4.00%4.00% APR
Flex Equity4.75%4.327% APR
Future Value6.75%5.420% APR
Conventional Equity (10-Years)5.25%5.250% APR Fixed
Conventional Equity (7-Years)5.00%5.000% APR Fixed
Conventional Equity (5-Years)4.75%4.750% 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. 4.00% APR for a fixed rate with a term of 20 years with monthly principal and interest payments of $309.72. Payment examples based on a loan amount of $50,000 and a loan-to-value of 80%. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance, or homeowner association dues. Actual payment may vary based on amount, term, APR, taxes and insurance, and other factors. Homeowner insurance required.

  • Flex Equity APR = Annual Percentage Rate. 4.75% APR for a fixed rate with a term of 20 years with monthly principal and interest payments of $323.11. Payment examples based on a loan amount of $50,000 and a loan-to-value of 80%. Adjustable Rate Payment Example: 5/1 adjustable rate payment for a $50,000 loan with a 4.75% APR, the first 60 payments are $323.11, with 12 payments at $368.00 if the rate were to adjust to 6.75%, 12 payments at $413.00 if the rate were to adjust to 8.75%, 12 payments at $457.00 if the rate were to adjust to 10.75%. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance or homeowner association dues. Actual payments may be higher.

  • Future Value Home Equity APR = Annual Percentage Rate. On a $50,000.00 loan at an APR of 6.75% for 20 years, monthly payment would be $380.18. Payment example does not include taxes or insurance premiums and actual payment may be greater. Minimum loan amount $25,000; maximum $200,000.

  • Conventional Equity APR = Annual Percentage Rate. 4.75% APR for a fixed rate with a term of 60 months monthly principal and interest payments of $937.85. Payment examples based on a loan amount of $50,000 and a loan-to-value of 80%. Payment examples do 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.

Auto

Rates effective 11/01/2021

2020 & Newer Models

TermAPR as low as
up to 36 months1.99% Fixed
up to 48 months2.39% Fixed
up to 60 months2.49% Fixed
up to 66 months2.89% Fixed
up to 72 months2.99% Fixed
up to 84 months3.99% Fixed

2017-2019 Models

TermAPR as low as
up to 36 months2.99% Fixed
up to 48 months3.39% Fixed
up to 60 months3.49% Fixed
up to 66 months3.89% Fixed
up to 72 months3.99% Fixed

2015-2016 Models

TermAPR as low as
up to 36 months3.99% Fixed
up to 48 months4.39% Fixed
up to 60 months4.49% Fixed
up to 66 months4.89% Fixed
up to 72 months4.99% Fixed

2014 & Older Models

TermAPR as low as
up to 36 months5.59% Fixed
up to 60 months6.79% 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 be a Member in good standing.

  • New Auto (2020 & Newer Models) New Auto APR’s are based on term with a monthly payment per $20,000 financed (1.99% APR/36 mo, $572.76; 2.39% APR/48 mo, $437.32; 2.49% APR/60 mo, $354.86; 2.89% APR/66 mo, $328.12; 2.99% APR/72 mo, $303.78; 3.99% APR/84 mo, $273.28).

  • Used Auto (2017-2019 Models) Used Auto APR’s are based on term with a monthly payment per $20,000 financed (2.99% APR/36 mo, $581.54; 3.39% APR/48 mo, $446.14; 3.49% APR/60 mo, $363.75; 3.89% APR/66 mo, $337.09; 3.99% APR/72 mo, $312.81).

  • Used Auto (2015-2016 Models) Used Auto APR’s are based on term with a monthly payment per $20,000 financed (3.99% APR/36 mo, $590.39; 4.39% APR/48 mo, $455.08; 4.49% APR/60 mo, $372.77; 4.89% APR/66 mo, $346.22; 4.99% APR/72 mo, $322.01).

  • Used Auto (2014 & Older Models) Used Auto APR’s are based on term with a monthly payment per $20,000 financed (5.59% APR/36 mo, $604.73; 6.79% APR/60 mo, $394.05).

Rates effective 11/01/2021

2020 & Newer Models

TermAPR as low as
up to 36 months1.99% Fixed
up to 48 months2.39% Fixed
up to 60 months2.49% Fixed
up to 66 months2.89% Fixed
up to 72 months2.99% Fixed
up to 84 months3.99% Fixed

2017-2019 Models

TermAPR as low as
up to 36 months2.99% Fixed
up to 48 months3.39% Fixed
up to 60 months3.49% Fixed
up to 66 months3.89% Fixed
up to 72 months3.99% Fixed

2015-2016 Models

TermAPR as low as
up to 36 months3.99% Fixed
up to 48 months4.39% Fixed
up to 60 months4.49% Fixed
up to 66 months4.89% Fixed
up to 72 months4.99% Fixed

2014 & Older Models

TermAPR as low as
up to 36 months5.59% Fixed
up to 60 months6.79% 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 be a Member in good standing.

  • New Motorcycle (2020 & Newer Models) New Motorcycle APR’s are based on term with a monthly payment per $20,000 financed (1.99% APR/36 mo, $572.76; 2.39% APR/48 mo, $437.32; 2.49% APR/60 mo, $354.86; 2.89% APR/66 mo, $328.12; 2.99% APR/72 mo, $303.78; 3.99% APR/84 mo, $273.28).

  • Used Motorcycle (2017-2019 Models) Used Motorcycle APR’s are based on term with a monthly payment per $20,000 financed (2.99% APR/36 mo, $581.54; 3.39% APR/48 mo, $446.14; 3.49% APR/60 mo, $363.75; 3.89% APR/66 mo, $337.09; 3.99% APR/72 mo, $312.81).

  • Used Motorcycle (2015-2016 Models) Used Motorcycle APR’s are based on term with a monthly payment per $20,000 financed (3.99% APR/36 mo, $590.39; 4.39% APR/48 mo, $455.08; 4.49% APR/60 mo, $372.77; 4.89% APR/66 mo, $346.22; 4.99% APR/72 mo, $322.01).

  • Used Motorcycle (2014 & Older Models) Used Motorcycle APR’s are based on term with a monthly payment per $20,000 financed (5.59% APR/36 mo, $604.73; 6.79% APR/60 mo, $394.05).

Rates effective 11/01/2021

2020 & Newer Models

TermAPR as low as
up to 36 months2.99% Fixed
up to 48 months3.39% Fixed
up to 60 months3.49% Fixed
up to 66 months3.89% Fixed
up to 72 months3.99% Fixed
up to 84 months4.99% Fixed

2017-2019 Models

TermAPR as low as
up to 36 months3.99% Fixed
up to 48 months4.39% Fixed
up to 60 months4.49% Fixed
up to 66 months4.89% Fixed
up to 72 months4.99% Fixed

2015-2016 Models

TermAPR as low as
up to 36 months4.99% Fixed
up to 48 months5.39% Fixed
up to 60 months5.49% Fixed
up to 66 months5.89% Fixed
up to 72 months5.99% Fixed

2014 & Older Models

TermAPR as low as
up to 36 months6.59% Fixed
up to 60 months7.79% 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 be a Member in good standing.

  • New Boat (2020 & Newer Models) New Boat APR’s are based on term with a monthly payment per $20,000 financed (2.99% APR/36 mo, $581.54; 3.39% APR/48 mo, $446.14; 3.49% APR/60 mo, $363.75; 3.89% APR/66 mo, $337.09; 3.99% APR/72 mo, $312.81; 4.99% APR/84 mo, $282.58).

  • Used Boat (2017-2019 Models) Used Boat APR’s are based on term with a monthly payment per $20,000 financed (3.99% APR/36 mo, $590.39; 4.39% APR/48 mo, $455.08; 4.49% APR/60 mo, $372.77; 4.89% APR/66 mo, $346.22; 4.99% APR/72 mo, $322.01).

  • Used Boat (2015-2016 Models) Used Boat APR’s are based on term with a monthly payment per $20,000 financed (4.99% APR/36 mo, $599.33; 5.39% APR/48 mo, $464.13; 5.49% APR/60 mo, $381.93; 5.89% APR/66 mo, $355.50; 5.99% APR/72 mo, $331.36).

  • Used Boat (2014 & Older Models) Used Boat APR’s are based on term with a monthly payment per $20,000 financed (6.59% APR/36 mo, $613.80; 7.79% APR/60 mo, $403.52).

Rates effective 11/01/2021

2020 & Newer Models

TermAPR as low as
up to 36 months2.99% Fixed
up to 48 months3.39% Fixed
up to 60 months3.49% Fixed
up to 66 months3.89 % Fixed
up to 72 months3.99% Fixed
up to 84 months4.99% Fixed

2017-2019 Models

TermAPR as low as
up to 36 months3.99% Fixed
up to 48 months4.39% Fixed
up to 60 months4.49% Fixed
up to 66 months4.89% Fixed
up to 72 months4.99% Fixed

2015-2016 Models

TermAPR as low as
up to 36 months4.99% Fixed
up to 48 months5.39% Fixed
up to 60 months5.49% Fixed
up to 66 months5.89% Fixed
up to 72 months5.99% Fixed

2014 & Older Models

TermAPR as low as
up to 36 months6.59% Fixed
up to 60 months7.79% 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 be a Member in good standing.

  • New RV (2020 & Newer Models) New RV APR’s are based on term with a monthly payment per $20,000 financed (2.99% APR/36 mo, $581.54; 3.39% APR/48 mo, $446.14; 3.49% APR/60 mo, $363.75; 3.89 % APR/66 mo, $337.09; 3.99% APR/72 mo, $312.81; 4.99% APR/84 mo, $282.58).

  • Used RV (2017-2019 Models) Used RV APR’s are based on term with a monthly payment per $20,000 financed (3.99% APR/36 mo, $590.39; 4.39% APR/48 mo, $455.08; 4.49% APR/60 mo, $372.77; 4.89% APR/66 mo, $346.22; 4.99% APR/72 mo, $322.01).

  • Used RV (2015-2016 Models) Used RV APR’s are based on term with a monthly payment per $20,000 financed (4.99% APR/36 mo, $599.33; 5.39% APR/48 mo, $464.13; 5.49% APR/60 mo, $381.93; 5.89% APR/66 mo, $355.50; 5.99% APR/72 mo, $331.36).

  • Used RV (2014 & Older Models) Used RV APR’s are based on term with a monthly payment per $20,000 financed (6.59% APR/36 mo, $613.80; 7.79% APR/60 mo, $403.52).

Personal

Rates effective 11/01/2021
TermAPR as low as
Up to 24 months6.49% APR Fixed
25 to 36 Months7.49% APR Fixed
37 to 48 Months8.49% APR Fixed
49 to 60 Months9.99% APR Fixed
APR as low as
13.88% APR
TermAPR as low as
6 to 24 Months9.99% APR Fixed
TermAPR 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 (6.49% APR/24 mo, $44.54; 7.49% APR/36 mo, $31.10; 8.49% APR/48 mo, $24.65; 9.99% APR/60 mo, $21.25).

  • Personal Line of Credit APR = Annual Percentage Rate. Rates as low as 13.88% APR. 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 $46.16. 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 11.49% to 20.49% 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 11.49% to 20.49% 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 13.49% to 22.49% 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 September 17, 2021. 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™

    formerly Visa® Platinum 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 12.50% to 20.50% 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 12.50% to 20.50% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advances 14.50% to 22.50% 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 0% 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 September 17, 2021. 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™

    formerly Visa® Platinum Advantage

    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 10.50% to 18.50% 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 10.50% to 18.50% based on your creditworthiness. This variable APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advances 12.50% to 20.50% 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 0% 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 September 17, 2021. 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™

    formerly Visa® Platinum

    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 16.50% to 24.50% 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 16.50% to 24.50% 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 19.50% to 27.50% 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 September 17, 2021. 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 10/31/2021.
    Annual Percentage YieldDividend Rate
    Membership Savings0.05%0.05%
    High-Yield Savings1.00%1.00%
    Special Savings0.05%0.05%
    Mortgage Savings Plan0.05%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. See Current Fees and Charges for details.

    • High-Yield Savings Account APY = Annual Percentage Yield. No minimum balance requirements apply to this account. This is a tiered dividend rate savings account. 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. 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. Earning may be reduced if fees are incurred.

    Rates effective 11/01/2021

    Jumbo Money Market Account

    BalanceAnnual Percentage YieldDividend Rate
    $250,000 and more0.75%0.75%
    $100,000 – $249,9990.50%0.50%
    $55,000 – $99,9990.25%0.25%
    $0 – $54,9990.00%0.00%

    Money Market Account

    BalanceAnnual Percentage YieldDividend 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%
    • 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 11/01/2021

    Share Savings Certificate ($1,000 minimum investment)

    TermAnnual Percentage YieldDividend Rate
    60-Month0.15%0.15%
    48-Month0.12%0.12%
    36-Month0.12%0.12%
    30-Month0.10%0.10%
    24-Month0.10%0.10%
    18-Month0.07%0.07%
    12-Month0.07%0.07%
    9-Month0.05%0.05%
    6-Month0.05%0.05%
    3-Month0.05%0.05%

    Share Savings Certificate ($500 minimum investment)

    TermAnnual Percentage YieldDividend Rate
    3-Month (ages 22 and younger)0.05%0.05%
    • Share Savings Certificate APY = Annual Percentage Yield. Rates 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. Earnings may be reduced if fees are incurred. Certificate rates effective Sunday through Saturday.

    Rates effective 11/01/2021
    Annual Percentage YieldDividend RateMinimum Earning Balance
    High-Yield Checking2.78%2.75%$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 2.78% APY. 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. DuPage Credit Union High-Yield Checking 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 non-cash items (for example, checks) to your account. This APY will be paid 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. 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: have at least one ACH deposit(s) of $500, or cumulative of $1,000 deposited directly into your checking account; be enrolled to receive Online Statements; 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 monthly service fees or minimum balance requirements apply to this account. 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 No monthly service fees or minimum balance requirements apply to this account. Cash back is a benefit you earn when all qualifications are met during a monthly statement cycle. You will receive 0.50% cash back on up to $5,000 on net purchases every month with your DuPage Credit Union Visa® debit card. 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. To qualify for the Cash Back Rewards, you must meet the following requirements otherwise cash back is forfeited for that monthly cycle: have at least one ACH deposit(s) of $500, or cumulative of $1,000 deposited directly into your checking account and be enrolled to receive Online Statements. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

    Fees & Charges

    Current fees & charges

    Savings & Checking Account Fees

    Minimum Balance Fee (if account falls below stated balance)
    Membership Savings Account
    ($5 minimum balance)
    $1.00/mo
    Premier Checking Account
    ($1,000 minimum balance)
    $15.00/mo
    Business Accounts & DBAs with a Checking Account$10.00/mo
    Business Accounts who deposit greater than $25,000 cash per month will be charged $0.30 per $100 over the $25,000 each month of occurence
    Daily Negative Balance - Charged daily to a Checking Account when the balance is less than $0$5.00/day
    Closed Account - For membership closed within 90 days of opening$5.00
    Inactive Membership Account - Charged monthly to the Savings Account with no activity in the last 12 months or more$12.00/mo
    Inactive Checking Account - Charged monthly to the Checking Account with no activity in the last 12 months or more$12.00/mo
    Dormant Account - Charged monthly to the Savings Account with no activity in the last 24 months or more$12.00/mo
    Unclaimed Property Account - Charged to an account before funds are transferred to the State of Illinois after three years of inactivity$50.00
    Paper Statement Processing - Charged monthly to members with Online Banking and any type of Checking Account who receive paper statements (Online Statements are free)$5.00/mo
    Check Cashing - Charged to members with only a Savings Account (no other sub-accounts)$10.00/check
    Check Printing OrderPrices vary
    Money Market Account ChecksPrices vary
    Check Copy$5.00 each
    Deposit check returned Non-Sufficient Funds (NSF)$30.00 each
    Non-Sufficient Funds Fee for paper check or any electronic debit. For transactions $0.01 - $29.99, the fee is the amount of the transaction. For transactions $30.00 or more, the fee is $30.00 each.
    Overdraft Fee for paper check or any qualifying electronic debit. For transactions $0.01 - $29.99, the fee is the amount of the transaction. For transactions $30.00 or more, the fee is $30.00 each.
    Fee to transfer funds from Savings to cover items clearing from your Checking Account; no fee for transactions under $5.00$3.00/day
    Stop Payment$30.00 each
    Deposit of foreign check(s); additional processing fees may be charged$40.00 each
    ATM Transfers and Balance Inquiries$1.00 each
    All ATM withdrawals at non-DuPage Credit Union ATMS are free
    ATM Empty Envelope Deposit$50.00 each
    Debit Card replacement (includes lost or damaged cards)$10.00 each
    Check Clearing - Accounts clearing more than 200 checks per month will receive a $0.10 per check clearing fee

    Online Banking & Bill Pay fees

    Inactive Online Bill Pay (no bills paid for one month)$5.00/mo

    Service fees

    Visa Gift Card$3.95/card1
    Visa Reloadable Card$6.95/card1
    Visa Travel Card$7.95/card1
    Cashier's Check$5.00 each
    Official DuPage Withdrawal Check$3.00 each
    Money Order$3.50 each
    Account Research - Minimum One Hour$25.00/hour
    History Printout or Statement of Account$15.00/request
    Domestic Wire TransferUp to $25.00 each
    Special Item Handling (Citations, Levies, Garnishments, etc.) - Minimum One Hour$50.00/hour
    Bad Address/Returned Mail$10.00/mo
    Express Mail$35.00 each
    Effective December 1, 2019. Fees may be subject to change. 1Other fees may apply.
    phone icon 800-323-2611 message iconMessage Us branch locationsBranches & ATMs pay my loanPay My Loan calendar icon Schedule Appointment
    Routing Number:
    271990198