Desert Valleys Federal Credit Union
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Printable Rate Sheet

Loans Rate APR* Term  
New Auto Loans as low as... 5.490 5.490 72 Calculator
Used Auto Loans as low as... 5.990 5.990 60 Calculator
Signature Loans as low as.... 10.490 10.490 36 Calculator
Personal Lines of Credit starting at... 10.990 10.990 60 Calculator
Holiday Special starting at... 7.990 7.990 36 Calculator
New & Used RV Loans as low as... 6.490 7.290 120 Calculator
New Motorcycle Loans as low as... 6.490 6.990 60 Calculator
ATV's, Dirtbikes, Watercraft as low as... 7.990 7.490 48 Calculator
Share Secured Loans (+3.0% above current Share Rate) 3.250 3.250 120 Calculator

 
*APR = Annual Percentage Rate
** Actual Rate may vary based on applicant's credit rating

Contact the credit union at (760) 446-3500 or (760) 372-4001 for more details on loan products.
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Savings Minimum Balance Dividend Rate APY* Term
Super Saver Money Market Account ($2500-$9999.99) $ 2,500.00 1.000 1.000 n/a
Super Saver Money Market Account ($10,000-$24,999.99) $ 10,000.00 1.200 1.210 n/a
Super Saver Money Market Account ($25,000-49,999.99) $ 25,000.00 1.400 1.410 n/a
Super Saver Money Market Account ($50,000-OVER) $ 50,000.00 1.750 1.760 n/a
Regular Shares** $ 5.00 0.250 0.250 n/a
Holiday Shares $ 5.00 0.250 0.250 n/a
I.R.A. $ 5.00 1.500 1.510 n/a

 

*APY = Annual Percentage Yield

Super Saver Accounts are variable rate accounts and the rate and APY are subject to change after account is opened. Must have and maintain the above minimum balance to obtain the disclosed annual percentage yields. Dividends paid and compounded monthly.
Effective November 1, 2008

$ 5.00 Minimum to open and maintain a Regular Share or Holiday Share. $100.00 minimum deposit to open an I.R.A. account. $25.00 minimum to open share draft account.

 Must have and maintain a balance of $100.00 or more to obtain the disclosed annual percentage yield.
Effective November 1, 2008

**As of last dividend declaration date 9/30/2008, for the quarter ending 9/30/2008 Dividends calculated daily, compounded and paid quarterly. These accounts are variable rate accounts and the rate and APY are subject to change after account is opened.
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Annual Yields Reflect Monthly Compounded Interest

 
Certificates Minimum Deposit Dividend Rate APY* Term
Term Share/I.R.A. Certificate ($1,000 - $2499.99) $ 1000.00 2.250 2.270 6
Term Share/I.R.A. Certificate ($1,000 - $2499.99) $ 1000.00 2.400 2.430 12
Term Share/I.R.A. Certificate ($1,000 - $2499.99) $ 1000.00 2.600 2.630 24
Term Share/I.R.A. Certificate ($1,000 - $2499.99) $ 1000.00 2.750 2.790 36
Term Share/I.R.A. Certificate ($2500-$9999.99) $ 2,500.00 2.300 2.320 6
Term Share/I.R.A. Certificate ($2500-$9999.99) $ 2,500.00 2.500  2.530 12
Term Share/I.R.A. Certificate ($2500-$9999.99) $ 2,500.00 2.700 2.740 24
Term Share/I.R.A. Certificate ($2500-$9999.99) $ 2,500.00 2.900 2.940 36
Term Share/I.R.A. Certificate ($10,000-$49,999.99) $ 10,000.00 2.400 2.420 6
Term Share/I.R.A. Certificate ($10,000-$49,999.99) $ 10,000.00 2.600 2.630 12
Term Share/I.R.A. Certificate ($10,000-$49,999.99) $ 10,000.00 2.800 2.840 24
Term Share/I.R.A. Certificate ($10,000-$49,999.99) $ 10,000.00 2.950 2.990 36
Term Share/I.R.A. Certificate ($50,000-OVER) $ 50,000.00 2.500 2.530 6
Term Share/I.R.A. Certificate ($50,000-OVER) $ 50,000.00 2.700 2.730 12
Term Share/I.R.A. Certificate ($50,000-OVER) $ 50,000.00 2.900 2.940 24
Term Share/I.R.A. Certificate ($50,000-OVER) $ 50,000.00 3.050 3.100 36
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 2.500 2.530 6
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 2.800 2.840 12
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 3.000 3.040 24
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 3.250 3.300 36
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 3.300 3.350 48
Term Share/I.R.A. Certificate (JUMBO CD $100,000.00) $ 100,000.00 3.300 3.350 60

 
*APY = Annual Percentage Yield

MINIMUM BALANCE REQUIRED TO OBTAIN DISCLOASED ANNUAL PERCENTAGE YIELD
A penalty may be imposed for early withdrawal. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
Effective November 1, 2008
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