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Dupaco Community Credit Union

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Dupaco Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dupaco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Dupaco Community Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates has no NCUA call report data for Dupaco Community Credit Union, so it is not rated. Rates last updated and verified on 09/10/2026.

Dupaco Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dupaco Community Credit Union? Share your experience about Dupaco Community Credit Union by leaving a review below, or read customer reviews before you decide to use Dupaco Community Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Dupaco Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Refinance: 15-Year Fixed Conventional	5.75%	0	5.87%	15-Year Fixed Conventional
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.13%	0	6.22%	30-Year Fixed Conventional
Details $200,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 15-Year Fixed Conventional	6.13%	0	6.25%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 15-Year Fixed Conventional	6.13%	0	6.25%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 20-Year Fixed Conventional	6.13%	0	6.27%	20-Year Fixed Conventional
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.13%	0	6.27%	30-Year Fixed Conventional
Details $100,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.25%	0	6.32%	30-Year Fixed Conventional
Details $300,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.38%	0	6.43%	30-Year Fixed Conventional
Details $832,750 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 30-Year Fixed Conventional or less	6.50%	0	6.58%	30-Year Fixed
Details $200,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.50%	0	6.59%	30-Year Fixed
Details $200,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 20-Year Fixed Conventional	6.50%	0	6.63%	20-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 30-Year Fixed Conventional or less	6.50%	0	6.64%	30-Year Fixed
Details $100,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 20-Year Fixed Conventional	6.50%	0	6.65%	20-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.50%	0	6.65%	30-Year Fixed
Details $100,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 30-Year Fixed Conventional or less	6.63%	0	6.66%	30-Year Fixed
Details $832,750 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.63%	0	6.68%	30-Year Fixed
Details $832,750 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Purchase: 30-Year Fixed Conventional or less	6.63%	0	6.69%	30-Year Fixed
Details $300,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Refinance: 30-Year Fixed Conventional or less	6.63%	0	6.70%	30-Year Fixed
Details $300,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Dupaco Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.25%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Home Equity Loan	-	-	6.74%	5 Years
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Home Equity Loan	-	-	7.24%	10 Years
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Dupaco Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan (2024-27 Model Year)	-	-	5.19%	48 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2024-27 Model Year)	-	-	5.39%	60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2024-27 Model Year)	-	-	5.49%	72 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2024-27 Model Year)	-	-	5.59%	84 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2021-23 Model Year)	-	-	5.64%	60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2021-23 Model Year)	-	-	5.79%	72 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2021-23 Model Year)	-	-	6.04%	84 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2017-20 Model Year)	-	-	6.34%	60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2017-20 Model Year)	-	-	6.49%	72 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Auto Loan (2016 Model Year (and older))	-	-	8.59%	48 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Dupaco Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	12.50%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Platinum Visa	-	12.50%
Details Rates effective as of 1/1/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change. Platinum Visa Rate: Annual percentage rate (APR) subject to change and may vary during the term of credit. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. Margin to be determined by credit score at the time of application. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee- $10.00 or 3.00% of the amount of each cash advance, whichever is greater ; foreign transaction fee-1.00% of each transaction in US Dollars; late payment fee-up to $15.00; returned payment fee-up to $25.00. Platinum Visa Introductory Rate: For new cardholders, the 2.90% annual percentage rate (APR) balance transfer introductory rate is valid for new cardholders' balance transfer and balance consolidations that post to your Dupaco Visa during the first 90 days following the opening of Dupaco Platinum Visa. The 2.90% introductory annual percentage rate (APR) expires six months from the date of your first balance transfer or balance consolidation, at which time the APR will revert back to the current standard APR, which effective 1/1/2026 is a variable rate of 12.50% - 19.50%, based on your creditworthiness. All Visa APRs will vary with the market based on the Prime Rate. There is a grace period on purchases, and no annual fees or participation fees. Other fees include: cash advance fee- $10.00 or 3.00% of the amount of each cash advance, whichever is greater; foreign transaction fee-1.00% of each transaction in US dollars; late payment fee-$15 or the minimum due, whichever is less if your are four (4) or more days late; returned payment fee-up to $25. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Business Platinum Visa	-	15.50%
Details Variable Interest Rate Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Rewards Visa	-	15.50%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Business Rewards Visa	-	20.50%
Details Variable Interest Rate Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Dupaco Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	24 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Personal Loan	10.49%	36 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Personal Loan	10.99%	48 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Personal Loan	12.49%	60 Months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Dupaco Community Credit Union’s Texas Ratio rose from 2.88% in Q2 2023 to 7.32% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.6B	7.32%	5.0	A
December 31, 2025	$3.6B	3.88%	5.0	A+
September 30, 2025	$3.6B	3.94%	5.0	A+
June 30, 2025	$3.6B	3.54%	5.0	A+
March 31, 2025	$3.5B	3.96%	5.0	A+
December 31, 2024	$3.4B	3.76%	5.0	A+
September 30, 2024	$3.4B	3.69%	5.0	A+
June 30, 2024	$3.3B	3.62%	5.0	A+
March 31, 2024	$3.3B	3.57%	5.0	A+
December 31, 2023	$3.3B	4.22%	5.0	A+
September 30, 2023	$3.2B	4.14%	5.0	A+
June 30, 2023	$3.2B	2.88%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dupaco Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dupaco Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dupaco Community Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Dupaco Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Dupaco Community Credit Union

How many branches does Dupaco Community Credit Union operate?

Dupaco Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dupaco Community Credit Union?

Yes, to access services at Dupaco Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dupaco Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dupaco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dupaco Community Credit Union offer online and mobile banking?

Most modern institutions like Dupaco Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dupaco.com.