Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
P.O. Box 1365
Waynesboro, VA 22980

Dupont Community Credit Union is headquartered in Waynesboro and is the 10st largest credit union in the state of Virginia. It is also the 241st largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 224 employees and 66,094 members. Dupont Community Credit Union has a A health rating.

Field of Membership Restrictions

Credit union membership is open to those who live, work, worship or attend school in any of the following Virginia counties or cities: Augusta, Rockingham, Rockbridge, Highland, Bath, Shenandoah, Waynesboro, Staunton, Harrisonburg, Lexington and Buena Vista. Individuals within the immediate family or household of an eligible person also qualify for membership. Additionally, businesses and other legal entities, within the community as defined by DCCU, may join as well. - See Details

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Dupont Community Credit Union had $2.47 million in non-current loans and owned real-estate with $80.24 million in equity and loan loss allowances on hand to cover it. This gives Dupont Community Credit Union a Texas Ratio of 3.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Dupont Community Credit Union experienced no significant changes from 3.32% as of December 31, 2012 to 3.08% as of December 31, 2013, resulting in a positive change of 7.16%.This indicates that the balance sheet and financial strength for Dupont Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Dupont Community Credit Union has increased its total deposits by $40.54 million, resulting in 5.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dupont Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dupont Community Credit Union has $890.45 million in assets with $80.24 million in equity, resulting in a capitalization level of 9.01%, which is average.

Institution Statistics

NCUA #62474
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$890.45 million
Loans$658.61 million
Deposits$753.19 million
Equity Capital$77.34 million
Loan Loss Allowance$2.90 million
Unbacked Noncurrent Loans$2.29 million
Real Estate Owned$183,000
Historic Data - December 2012
Assets$841.56 million
Equity Capital$77.43 million
Loan Loss Allowance$3.02 million
Unbacked Noncurrent Loans$2.29 million
Real Estate Owned$370,000
Profit Margin - Quarterly
Net Interest Margin3.94%
Return on Assets0.72%
Return on Equity8.3%
Interest Income$30.52 million

Always verify rates and promotions with the bank or credit union. We are not Dupont Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Dupont Community Credit Union Savings Account Rates

0.25%$1k-IRA Account
0.25%$1k-Roth IRA Account
0.25%$1k-Coverdell Education Savings Account
0.15%--Christmas Club
0.15%--Vacation Club
0.15%--Club Account
0.15%$25-Business Savings Account

Dupont Community Credit Union Money Market Rates

0.45%$100k-Money Market
0.45%$100k-Business Money Market

Dupont Community Credit Union Checking Account Rates

2.78%-$25kGrow Green Checking Tier II
1.26%-$25kGrow Green Checking Tier I
0.65%$50k-Business Checking
0.00%--Rewards Checking
0.00%--Grow Green Checking Tier II
0.00%--Grow Green Checking Tier I

Dupont Community Credit Union CD Rates

1.56%$500-5 Year CD
1.56%$1k-5 Year HSA
1.56%$500-Business 5 Year CD
1.36%$500-4 Year CD
1.36%$1k-4 Year HSA
1.36%$500-Business 4 Year CD
1.11%$500-3 Year CD
1.11%$1k-3 Year HSA
1.11%$500-Business 3 Year CD
0.95%$500-2 1/2 Year CD
0.95%$1k-2 1/2 Year HSA
0.95%$500-Business 2 1/2 Year CD
0.85%$500-2 Year CD
0.85%$1k-2 Year HSA
0.85%$500-Business 2 Year CD
0.60%$500-1 1/2 Year CD
0.60%$500-Business 1 1/2 Year CD
0.45%$500-1 Year CD
0.45%$1k-1 Year HSA
0.45%$500-Business 1 Year CD
0.35%$500-6 Month CD
0.35%$500-Business 6 Month CD

Dupont Community Credit Union IRA Rates

1.56%$1k-5 Year IRA (Traditional,CESA,Roth)
1.36%$1k-4 Year IRA (Traditional,CESA,Roth)
1.11%$1k-3 Year IRA (Traditional,CESA,Roth)
0.95%$1k-2 1/2 Year IRA (Traditional,CESA,Roth)
0.85%$1k-2 Year IRA (Traditional,CESA,Roth)
0.45%$1k-1 Year IRA (Traditional,CESA,Roth)

Dupont Community Credit Union Locations
Branch Office1925 Reservoir StHarrisonburg, VA 22801
Branch Office140 Lucy LnWaynesboro, VA 22980
Branch Office2200 W Main StWaynesboro, VA 22980
Branch Office200 E Broad StWaynesboro, VA 22980
Branch Office315 Lee HwyVerona, VA 24482
Branch Office105 Community WayStaunton, VA 24401
Branch Office2518 Stuarts Draft HwyStuarts Draft, VA 24477
Branch Office2201 N Augusta StStaunton, VA 24401
Branch Office1025 Woodstock Commons DrWoodstock, VA 22664
Branch Office47 W Kaylor Park DrHarrisonburg, VA 22801