Dupont Community Credit Union

140 Lucy Lane
Waynesboro, VA 22980
540.946.3200
www.mydccu.com

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Dupont Community Credit Union is headquartered in Waynesboro and is the 10^st largest credit union in the state of Virginia. It is also the 244^th largest credit union in the nation. It was established in 1959 and as of December of 2012, it had grown to 210 employees and 62,834 members. Dupont Community Credit Union has a 5-star health rating.

Dupont Community Credit Union Routing Number: 251483311

Dupont Community Credit Union Drops RCA (3.14%APY, $25K) To (2.78%APY, $25K) as of 8/1/12 (Forum) - 8/1/2012

The Grow Green Checking account has two tiers: tier 2: 15 transactions, $25K, $250 minimum was 3.14%, now 2.78%APY tier 1: 10 transactions, $25K, no minimum, was 1.85% (IIRC), now 1.26%APY There was no notice of this rate change, only

Virginia Credit Union Increases Reward Checking Rate But There's a Catch - 12/6/2011

DuPont Community Credit Union has been bucking the trend this year in interest rates. It has increased the rate of its reward checking account, Grow Green Checking, three times this year. Its first ra ...

Higher Interest Rate on Reward Checking Account at DuPont Community Credit Union in Virginia - 5/13/2011

In this interest rate environment, it's rare to see a rate hike on a deposit account. That recently occurred at DuPont Community Credit Union which raised the interest rate on its Grow Green High Yiel ...

3.71% 6-Month / 3.76% 12-Month CD at a Virginia CU (DuPoint Community). - 5/27/2008

Update 5/31/08: These special CD rates have ended. Please check the credit union's website for the latest rates.DuPont Community Credit Union has two competitive short-term certificate rates: 3.71% APY for a 6-month term and 3.76% APY for a 12-month...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Dupont Community Credit Union Checking Account Rates

Apy	Min	Max	Product
2.78%	-	$25k	Grow Green Checking Tier II
1.26%	-	$25k	Grow Green Checking Tier I
0.65%	$50k	-	Business Checking
0.00%	-	-	Rewards Checking

Dupont Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$1k	-	IRA Account
0.25%	$1k	-	Roth IRA Account
0.25%	$1k	-	Coverdell Education Savings Account
0.15%	$25	-	Savings
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

Apy	Min	Max	Product
0.45%	$100k	-	Money Market
0.45%	$100k	-	Business Money Market

Dupont Community Credit Union CD Rates

Apy	Min	Max	Product
1.71%	$500	-	5 Year CD
1.71%	$500	-	Business 5 Year CD
1.36%	$500	-	4 Year CD
1.36%	$500	-	Business 4 Year CD
1.11%	$500	-	3 Year CD
1.11%	$500	-	Business 3 Year CD
0.95%	$500	-	2 1/2 Year CD
0.95%	$500	-	Business 2 1/2 Year CD
0.85%	$500	-	2 Year CD
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%	$500	-	Business 1 Year CD
0.35%	$500	-	6 Month CD
0.35%	$500	-	Business 6 Month CD

Dupont Community Credit Union IRA Rates

Apy	Min	Max	Product
1.71%	$1k	-	5 Year IRA
1.71%	$1k	-	5 Year HSA
1.71%	$1k	-	5 Year CESA
1.71%	$1k	-	5 Year Roth IRA
1.36%	$1k	-	4 Year IRA
1.36%	$1k	-	4 Year HSA
1.36%	$1k	-	4 Year CESA
1.36%	$1k	-	4 Year Roth IRA
1.11%	$1k	-	3 Year IRA
1.11%	$1k	-	3 Year HSA
1.11%	$1k	-	3 Year CESA
1.11%	$1k	-	3 Year Roth IRA
0.95%	$1k	-	2 1/2 Year IRA
0.95%	$1k	-	2 1/2 Year HSA
0.95%	$1k	-	2 1/2 Year CESA
0.95%	$1k	-	2 1/2 Year Roth IRA
0.85%	$1k	-	2 Year IRA
0.85%	$1k	-	2 Year HSA
0.85%	$1k	-	2 Year CESA
0.85%	$1k	-	2 Year Roth IRA
0.45%	$1k	-	1 Year IRA
0.45%	$1k	-	1 Year HSA
0.45%	$1k	-	1 Year CESA
0.45%	$1k	-	1 Year Roth IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

DUPONT COMMUNITY
NCUA #	62474
BankRate Report	View
Year Chartered	1959
Employees	210
Primary Regulator
Assets and Liabilities
Assets	$841.56 million
Loans	$609.77 million
Deposits	$712.64 million
Equity Capital	$77.43 million
Loan Loss Allowance	$3.02 million
Unbacked Noncurrent Loans	$2.30 million
Real Estate Owned	$370,000
Historic Data - December 2011
Assets	$787.06 million
Equity Capital	$73.57 million
Loan Loss Allowance	$3.33 million
Unbacked Noncurrent Loans	$2.39 million
Real Estate Owned	$2.07 million
Profit Margin - Quarterly
Net Interest Margin	4.32%
Return on Assets	0.94%
Return on Equity	10.17%
Interest Income	$30.61 million
Non-Interest Income	$11.94 million

Institution Health

Overall Score:

5 out of 5

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, 2012 Dupont Community Credit Union had $2.67 million in non-current loans and owned real-estate with $80.46 million in equity and loan loss allowances on hand to cover it. This gives Dupont Community Credit Union a Texas Ratio of 3.32% 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 decreased significantly from 5.80% as of December 31, 2011 to 3.32% as of December 31, 2012, resulting in a positive change of 42.70%.This indicates that the balance sheet and financial strength for Dupont Community Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Dupont Community Credit Union has increased its total deposits by $54.67 million, resulting in 8.31% 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.
Capitalization
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 $841.56 million in assets with $80.46 million in equity, resulting in a capitalization level of 9.56%, which is average.