piggy bank calculator and pen on top of charts
Effective December 1, 2024
* 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 | 2.10% | 2.12% | |
$10,000.00 - $49,999.99 | 2.90% | 2.94% | |
$50,000.00 - $99,999.99 | 2.95% | 2.99% | |
$100,000.00 and over | 3.00% | 3.05% |
* Add .10% to the rate for an amount of $50,000 to $74,999.99.
* Add .20% to the rate for an amount of $75,000 and over.
* Certificates must be at least $2,500 to qualify for monthly dividend payments.
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| TERM | MINIMUM DEPOSIT | ANNUAL PERCENTAGE RATE (APR) * | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|
6 months | $2,500 | 3.75% | 3.82% |
12 months | $2,500 | 3.90% | 3.98% |
18 months | $500 | 3.90% | 3.98% |
24 months | $500 | 3.90% | 3.98% |
30 months | $500 | 3.90% | 3.98% |
36 months | $500 | 3.90% | 3.98% |
48 months | $500 | 3.90% | 3.98% |
60 months | $500 | 3.90% | 3.98% |
* Add .10% to the rate for an amount of $50,000 to $74,999.99.
* Add .20% to the rate for an amount of $75,000 and over.
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| TERM | MINIMUM DEPOSIT | ANNUAL PERCENTAGE RATE (APR) * | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|
6 months | $2,500 | 3.75% | 3.82% |
12 months | $2,500 | 3.90% | 3.98% |
18 months | $500 | 3.90% | 3.98% |
24 months | $500 | 3.90% | 3.98% |
30 months | $500 | 3.90% | 3.98% |
36 months | $500 | 3.90% | 3.98% |
48 months | $500 | 3.90% | 3.98% |
60 months | $500 | 3.90% | 3.98% |
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| AVERAGE DAILY BALANCE | MONTHLY 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 | 0.05% | 0.05% | |
$10,000.00 - $24,999.99 | 0.65% | 0.65% | |
$25,000 - $99,999.99 | 0.70% | 0.70% | |
$100,000 and above | 0.85% | 0.85% |
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| AVERAGE DAILY BALANCE | MONTHLY FEE | ANNUAL PERCENTAGE RATE (APR) | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|
Less than $50 | $5.00 | ||
$50.00 and over | 0.20% | 0.20% |
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| AVERAGE DAILY BALANCE | MONTHLY FEE | ANNUAL PERCENTAGE RATE (APR) | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|
All Amounts | 2.25% | 2.28% |
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| AVERAGE DAILY BALANCE | MONTHLY FEE | ANNUAL PERCENTAGE RATE (APR) | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|
All Amounts | 2.25% | 2.28% |
Effective September 21, 2023
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 and have their home mortgage with us.
Contact a loan specialist for a rate quote
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| TERM | *Rate as low as | **APR as low as | |
|---|---|---|---|
New Cars and Trucks ** | 3 years | 5.99% | 6.390% |
New Cars and Trucks ** | 4 years | 5.99% | 6.297% |
New Cars and Trucks ** | 5 years | 6.24% | 6.490% |
New Cars and Trucks ** | 6 years | 6.74% | 6.953% |
New Cars and Trucks ** | 7 years | 7.74% | 7.928% |
Used Cars and Trucks ** | 3 years | 6.24% | 6.640% |
Used Cars and Trucks ** | 4 years | 6.24% | 6.547% |
Used Cars and Trucks ** | 5 years | 6.49% | 6.741% |
Used Cars and Trucks ** | 6 years | 6.74% | 6.953% |
Used Cars and Trucks ** | 7 years | 8.49% | 8.680% |
* Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 20% equity in the vehicle, auto deduction from a DESCO checking account, and a current DESCO mortgage.
**APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee.
Approximate monthly loan payment at 6.74% is $425.67 on a $25,000.00 loan with a 6-year term.
Desco offers excellent rates on personal loans. 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.
Contact a loan specialist for a rate quote
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| TERM | *Rate as low as | **APR as low as | |
|---|---|---|---|
Signature | 3 years | 11.74% | 12.658% |
* Rates, terms, and conditions are subject to change and may vary based on creditworthiness. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rate is based on an A+ credit score and auto deduction from a DESCO checking account.
**APR=Annual Percentage Rate; based off a $7,500 loan with a $100.00 loan origination fee.
Approximate monthly loan payment at 11.74% is $251.47 on a $7,500.00 loan with a 3-year term.
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| APR as low as | ||
|---|---|---|
Classic Credit Card | 13.74% |
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.
