Effective as of: February 5, 2019
**Interest rates subject to change**
| Account | Interest Rate | APY* |
|---|---|---|
| Passbook Savings** | 0.10% | 0.10% |
| Premium Checking | 0.10% | 0.10% |
| Statement Savings** | 0.10% | 0.10% |
| Christmas Club AFT | 0.10% | 0.10% |
| Health Savings Account Checking | Interest Rate | APY* |
|---|---|---|
| balance $0.00 - $4,999 | 0.10% | 0.10% |
| balance $5,000 - $9,999 | 0.15% | 0.15% |
| balance $10,000 & over | 0.30% | 0.30% |
| On the Move Checking Account | Interest Rate | APY* |
|---|---|---|
| balance $0.00 - $999.99 | 0.00% | 0.00% |
| balance $1,000 & over | 0.10% | 0.10% |
| Hi-Fi Money Markets Account | Interest Rate | APY* |
|---|---|---|
| balance $0.00-$14,999.99 | 0.10% | 0.10% |
| balance $15,000-$99,999.99 | 0.25% | 0.25% |
| balance $100,000 -$999,999.99 | 0.75% | 0.75% |
| balance $1,000,000 & over | 1.25% | 1.25% |
*APY stands for Annual Percentage Yield
**Passbook and Statement Savings require a minimum balance to open of $50.
Effective as of: October 1, 2018
**Interest Rates subject to change**
| New & Used Automobiles & Light Duty Trucks | Interest Rate | APR* |
|---|---|---|
| 48 mo. | 2.99% | 3.241% |
| 60 mo. | 3.24% | 3.443% |
| 72 mo. | 3.40% | 3.572% |
| Motorhomes, Campers, 5th Wheels & Travel Trailers | Interest Rate | APR* |
|---|---|---|
| 72 mo. | 5.25% | 5.428% |
| 120 mo. | 5.74% | 5.854% |
| 144 mo. | 6.24% | 6.339% |
| 180 mo. | 6.49% | 6.544% |
| Marine | Interest Rate | APR* |
|---|---|---|
| 72 mo. | 5.25% | 5.428% |
| 120 mo. | 5.74% | 5.854% |
| 144 mo. | 6.24% | 6.339% |
| 180 mo. | 6.49% | 6.544% |
*APR stands for Annual Percentage Rate
**Interest rates subject to change
Interest rates disclosed are our very best interest rates to our most credit worthy customers. Your interest rate may be higher than advertised, depending on your credit history. We offer a .25% interest rate reduction for automatic payment from a Dart Bank account on all loans except VISA and Mortgages. APR includes the affects of an $125.00 processing fee.
Additional types of loans are available to meet your financing needs. Please call us for interest rates on the following types of loans:
For more information on consumer loans, please call us at (517) 676-3661.
Effective Date: January 7, 2018
**Interest rates subject to change**
| Fixed Interest Rate | $500 Minimum Deposit to Open | APY* |
|---|---|---|
| 3 Months | 0.30% | 0.30% |
| 6 Months | 0.75% | 0.75% |
| 12 Months | 1.50% | 1.51% |
| 24 Months | 1.50% | 1.51% |
| 36 Months | 1.75% | 1.76% |
| 48 Months | 1.75% | 1.76% |
| 60 Months | 2.25% | 2.27% |
| Other CDs | APY* | |
|---|---|---|
| 18 Month CD Special - Minimum to open $500 - Also available in IRAs | 2.48% | 2.50% |
| College CD - Term 1 to 18 years - Minimum to open $100 - Index Chase prime minus 2.75% | 2.75% | 2.78% (APY is based on an opening of $100 and term of 12 months) |
| 18 Month IRA Variable - Interest Floor is current statement savings interest rate - minimum deposit to open $25.00 - Index - 4-week average 24-month T-note rate rounded to nearest 1/10th, minus 0.50% | 2.00% (The interest rate may change after the account is open) | 2.01% |
*APY stands for Annual Percentage Yield
**Interest rates are subject to change
Substantial penalty for early withdrawal.
A penalty of $25.00 plus 90 days simple interest for any term up to and including twelve months.
A penalty of $25.00 plus 180 days simple interest for any term over twelve months.
Effective as of: January 7, 2018
| Electronic Banking | Fee |
|---|---|
| Dart Express Net Internet Banking | Free |
| Dart Express Net Bill Pay Plus - Personal | Free |
| Dart Express Net Bill Pay Plus - Business | $6.95 |
| DartDirect Phone Banking | Free |
| First ATM/Debit card | Free |
| ATM Charge (for using a foreign ATM; withdrawals only) | $1.50 |
| Reissue ATM/ Debit card | $5.00 |
| Reissue ATM/ Debit card PIN | $5.00 |
| ACH NSF | $31.00 |
| Checking and Savings Accounts | Fee |
|---|---|
| Bounce paid item charge (per item) | $31.00 |
| NSF paid item charge (per item) | $31.00 |
| NSF returned item charge (each) | $31.00 |
| Overdraft accrual charge (after 15 days)(business days only) | $5.00 |
| Sweep transaction charge | $5.00 per transfer |
| Stop payment | $33.00 |
| Counter checks/Temporary checks | $0.50 |
| Early closing (within 180 days) | $30.00 |
| Statement copy | $5.00 |
| Special statement | $5.00 |
| Special statement with checks | $8.00 |
| Copy of statement (sent to alternate address) | $5.00 |
| Check copy (photocopy-after first 6 per yr. pre-Nov. 2000) | $1.00 per page |
| Miscellaneous Fees | Fee |
|---|---|
| Cashier checks - Customer | $5.00 |
| Cashier checks - Non-customer | $7.00 |
| Money orders - Customer | $3.00 |
| Money orders - Non-customer | $5.00 |
| Photocopies | $.50 |
| Wire transfers - Outgoing | $25.00 |
| Wire transfers - Incoming for deposit | $10.00 |
| Wire transfers - Incoming for pickup | $25.00 |
| Loose coin counting - Customer (if opening an account - free) | 5% / $5.00 min |
| Loose coin counting - Non-customer (if opening an account - free) | 5% / $5.00 min |
| Notary services - Customer | $0.00 |
| Notary services - Non-customer | $2.00 |
| Check cashing - Customer | $0.00 |
| Check cashing - Non-customer | 1.5% of check / $10.00 min |
| Research - per hour (plus cost of copies) (minimum $10.00) | $25.00 |
| Account balancing - per hour (minimum $10.00) | $30.00 |
| Account activity inquiry | $1.00 |
| Chargeback item | $10.00 |
| Telephone transfers (manual) | $5.00 |
| Telephone transfers (DARTdirect) | Free |
| Internet transfers (Dart Express Net) | Free |
| Dormant fee (per month of inactivity after 18 months) | $5.00 |
| Garnishment | $80.00 |
| Levy | $80.00 |
| Collection item - Incoming (plus fees of other institutions) | $25.00 |
| Collection item - Outgoing (plus fees of other institutions) | $25.00 |