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Member Rates
Loans | Accounts | Fees
*Loan Rates As Low As...
Loan Description |
Model Year
Approximate
Term
|
Annual Percentage Rate |
New Vehicles
100% MSRP, Tax, Title, License |
New to 1 year
up to 84 months |
* 5.00% |
Used Vehicles
100% NADA Retail Value |
2 yrs plus
up to 60 months |
* 5.00% |
Recreational Vehicles
100% of Purchase Price |
New to 1 year
up to 84 months |
* 5.00% |
Used Recreational Vehicles
100% of NADA Retail Value |
2 yrs plus
up to 60 months |
* 5.00% |
Personal Loan |
**up to 48 months |
* 8.75% |
Share Pledge Secured |
- |
3.75% |
| MasterCard Secure |
- |
***4.75% |
MasterCard |
- |
* 7.90% |
Second Mortgage (Home Equity) |
- |
SEE CU |
A late charge of 10% of the payment due will
be assessed when the loan payment is more than ten (10) days past the schedule
due date. A minimum of $3.00, a maximum of $15.00
*Rate may vary - rate determined by credit history and credit score.
**Approximate term may vary depending on amount requested and credit history.
***MasterCard Secure Card variable rate reviewed in July - rate based on current prime rate plus DHSCU Share Rate and may vary.
Depository Account Rates
|
Account Type |
Rate |
APY |
|
Share Savings* |
0.50% |
0.50% |
|
Share Draft* |
0.25% |
0.25% |
|
Christmas/Vacation Club
|
0.50% |
0.50% |
|
Money Market* |
1.50% |
1.51% |
|
Share Certificate* 6 mnth |
3.25% |
3.30% |
|
Share Certificate* 18 mnth |
3.50% |
3.56% |
|
IRAs |
0.85% |
0.85% |
*See Services Page for information on
minimum balance, terms and penalties.
APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
RATES SUBJECT TO CHANGE WITH OUT NOTICE
Your savings federally insured to $100,000.
National Credit Union Administration, a U.S. Govt. Agency.
Fee Schedule
Fee
Description |
Fee |
|
Share Draft Checking NSF
Return/Paid |
$25.00 |
|
ACH NSF Return/Paid |
$25.00 |
|
ATM/POS/Debit/Check Card
NSF |
$25.00 |
|
Return Deposit/Payment |
$25.00 |
|
ACH/Check Stop Payment |
$12.00 |
|
DHS Teller Check Stop Pay
under 10 Business Days |
$5.00 |
|
Share Draft Check Copy |
$3.00 |
|
Cashiers Check |
$3.00 |
|
Money Order |
$1.00 |
|
Wire Incoming |
$3.00 |
|
Wire Outgoing |
$12.00 |
|
Wire Outgoing International |
See CU |
|
Wire Rejected |
$3.00 |
|
Incorrect/Returned Address |
$5.00 |
|
Closed/Re-Open Account -Under 90 Days |
$15.00 |
|
Early Club Withdrawal
Christmas/Vacation |
$5.00 |
|
Reorder MasterMoney Check Card |
$8.00 |
|
Reorder MasterMoney Check Card PIN |
$3.00 |
|
Reorder DHS ATM/POS/Debit Card |
$5.00 |
|
Reorder DHS ATM/POS/Debit Card PIN |
$3.00 |
Reorder MasterCard |
$15.00 |
|
Monthly Statement Copy - Per Month |
$2.00 |
|
ATM/Debit Card Usage Fee* |
$1.00 |
|
Reconcilement of Account - Per Hour |
$25.00 |
|
CU Money Prepaid Card** |
$4.00 |
|
CU Travel Prepaid Card** |
$4.00 |
|
CU Gift Prepaid Card** |
$4.00 |
For more information please contact any
staff member of DHS Credit Union:
(615) 313-5585 or e-mail at
dhscu@dhscu.org.
* Four (4) ATM Card Usage fees PER MONTH are waived/free.
**See Prepaid Card agreement for a full disclosure of fee's
and conditions. DHSCU offers this program thru a 3rd party processor and
is not in control of fees, conditions, agreements nor contracts.
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©Copyright 2008 DHS Credit Union. All Rights Reserved.
DHS Credit Union
400 Deaderick St., Street Level, Nashville, TN 37248-1982
(615) 313-5585, (800) 235-0403, Fax: (615) 741-5007
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