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Rates

Interest Rates

Effective August 1, 2020

 


Money Market Accounts

* Active checking account required to earn rates below.

* If the conditions of a Money Market Account are not met, interest will be earned at the disclosed rate for a Regular Savings.

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AVERAGE DAILY
BALANCE
MONTHLY
FEE
ANNUAL
PERCENTAGE
RATE (APR)
ANNUAL
PERCENTAGE
YIELD (APY)

Less than $2,500

$7.00

$2,500.00 - $9,999.99


0.10%

0.10%

$10,000.00 - $49,999.99


0.20%

0.20%

$50,000.00 - $99,999.99


0.30%

0.30%

$100,000.00 and over


0.40%

0.40%

 


Share Certificates

* Add .10% to the rate for an amount of $25,000 to $49,999.99.

* Add .20% to the rate for an amount of $50,000 and over.

* Certificates must be at least $2,500 to qualify for monthly dividend payments.

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TERMMINIMUM
DEPOSIT
ANNUAL
PERCENTAGE
RATE (APR) *
ANNUAL
PERCENTAGE
YIELD (APY)

31 Days

$2,500

0.05%

0.05%

91 Days

$2,500

0.10%

0.10%

6 months

$2,500

0.20%

0.20%

12 months

$2,500

0.30%

0.30%

18 months

$500

0.35%

0.35%

24 months

$500

0.45%

0.45%

30 months

$500

0.50%

0.50%

36 months

$500

0.55%

0.55%

48 months

$500

0.60%

0.60%

60 months

$500

0.80%

0.80%

 


 

IRA Share Certificates

* Add .10% to the rate for an amount of $25,000 to $49,999.99.

* Add .20% to the rate for an amount of $50,000 and over.

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TERMMINIMUM
DEPOSIT
ANNUAL
PERCENTAGE
RATE (APR) *
ANNUAL
PERCENTAGE
YIELD (APY)

31 Days

$2,500

0.05%

0.05%

91 Days

$2,500

0.10%

0.10%

6 months

$2,500

0.20%

0.20%

12 months

$2,500

0.30%

0.30%

18 months

$500

0.35%

0.35%

24 months

$500

0.45%

0.45%

30 months

$500

0.50%

0.50%

36 months

$500

0.55%

0.55%

48 months

$500

0.60%

0.60%

60 months

$500

0.80%

0.80%

 


 

Checking Accounts
Regular – Member Advantage – Business

 

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AVERAGE DAILY BALANCEMONTHLY
FEE
ANNUAL
PERCENTAGE
RATE (APR)
ANNUAL
PERCENTAGE
YIELD (APY)

Less than $250

$5.00

 

 

$250.00 - $999.99

Zero

Zero

 

$1000.00 - $4,999.99

 

0.01%

0.01%

$5,000.00 - $9,999.99

 

0.01%

0.01%

$10,000.00 - $24,999.99

 

0.10%

0.10%

$25,000 - $99,999.99

 

0.15%

0.15%

$100,000 and above

 

0.25%

0.25%

 


 

Savings Accounts

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AVERAGE DAILY BALANCEMONTHLY
FEE
ANNUAL
PERCENTAGE
RATE (APR)
ANNUAL
PERCENTAGE
YIELD (APY)

Less than $50

$5.00

 

 

$50.00 and over

 

0.05%

0.05%

 


 

Health Savings Accounts

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AVERAGE DAILY BALANCEMONTHLY
FEE
ANNUAL
PERCENTAGE
RATE (APR)
ANNUAL
PERCENTAGE
YIELD (APY)

All Amounts

 

0.10%

0.10%

 


 

Loan Rates

Effective September 25, 2020

 


Vehicle Loans

Desco offers excellent rates on new and used vehicles.  As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account or have their home mortgage with us.

Contact a loan specialist for a rate quote

 


Personal Loans

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TERMAPR
as low as

Signature **

3 years

7.99%

Visa

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APR
as low as

Regular Visa **


9.24%

For rates on residential first mortgages, click here.

For rates on Home Equity Lines of Credit, motorcycles, motor homes, campers and other personal loans, please contact one of our loan officers or visit a branch near you.


 

Apply for a Consumer Loan

Apply for a Mortgage Loan