Home - Denver Community Credit Union

Time 2021-04-17 08:07:03

Web Name: Home - Denver Community Credit Union

WebSite: http://denvercommunity.coop

ID:170444

Keywords:

Denver,Home,Community,

Description:

Quick cash. Quick term. One great rate.  Borrow against your home s equity with rates as low as 3.25% APR.*** Set up direct deposit to conveniently receive money like paychecks and tax returns. Used or new. Red or blue. Find something that fits your life. Now with rates as low as 2.49% APR!* Refinance your high interest debt to a personal loan with rates as low as 5.95% APR.** "We have been so pleased with our credit union! Can't say enough about the customer service and the ease of online bill paying. Just overall a great place to bank!" Tamara M. We are local The key to our success? Supporting the people who make our communities better and stronger. In 1934, the founders pooled their resources of $50 to create this credit union.Today, that initial investment has turned into an organization with over $350 million in assets.More About Us We help you achieve your goals by combining personalized financial mentorship with your unique drive to move your plans forward. View Checking Accounts *APR is Annual Percentage Rate. All loans are subject to credit approval as well as income verification and employment verification. Rates are subject to change without notice.  Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.  Auto Loan Payment Example: For a $10,000 loan with 60-month term payments at 2.49% APR, the monthly payment would be $17.74 per $1,000.**With approved credit as well as income verification and employment verification. Must finance $5,000 or more to qualify for 5.95% APR.  Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 5.95% APR, the monthly payment would be $30.40 per $1,000.***All loans are subject to credit and collateral approval, as well as income verification and employment verification. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $50,000 loan.  Loan amount is subject to credit qualification. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado.  Please consult a Mortgage Loan Officer for  complete details.  Payment example: For a maximum loan amount of $50,000 for a 10 year term at 3.25% APR, the principal and interest payment would be $488.60. TRUTH IN SAVINGS DISCLOSUREExcept as specifically described, the following disclosures apply to all the accounts.Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account.  The annual percentage yield is based on an assumption that interest will remain on deposit until maturity.  A withdrawal will reduce earnings.Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves.  The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side.  The dividend/interest period for each account is also set forth on our Rate and Fee Schedule.  The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.Balance Information. The minimum balance required to open each account is set forth.  Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account.  Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account.  If you close your account before accrued dividends are credited, accrued dividends will not be paid.Account Limitations. The account limitations for each account are set forth in our Membership and Account AgreementYour account will mature on the maturity date set forth on your account receipt or renewal notice.Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account.  This penalty applies to earned interest and principal.Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity.  You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:When an account owner diesor is determined legally incompetent by a courtor other body of competent jurisdiction.Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance.  The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item.  You may consult the Funds Availability Policy for information regarding the availability of funds in your account.  Fees for overdrawing your account may be imposed for each overdraft, item or transaction.  If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit.  Please refer to the Rate and Fee Schedule for current fee information. Preferred CheckingClear CardSecond Chance Checking Minimum Opening BalanceSuggested opening amount- $25$0Suggested opening amount- $25ID Safe Choice Charge PossibleYesNoYesDirect DepositAccepted and encouragedAccepted and encouragedAccepted and encouragedDividends PaidNoNoNoPrivilege PayAvailable after 90 daysNoNoOverdraft LOCAvailable immediately, with approved creditNoAvailable immediately, with approved creditATM/Debit CardInstant IssueInstant IssueInstant IssueShared BranchingAvailableAvailableAvailableFree Bill PayerAvailableAvailableAvailableMile High APYYesN/AYes5 Buck ClubYesNoYes You are leaving Denver Community Credit Union’s website. Denver Community does not control this site and is not responsible for the content, products, or services available on the linked site. The credit union does not represent the third party or the member, if the two enter a transaction. The privacy and security policies of this linked site may differ from our own.

TAGS:Denver Home Community 

<<< Thank you for your visit >>>

Hot Websites