The Dupaco Community Credit Union is a mortgage from Dupaco Community Credit Union. Loan terms: During the first 10 months you may withdraw money by submitting construction invoices for approval; interest accrues on funds withdrawn, with the interest payment due at month 11; after 12 months the loan converts to a conventional adjustable-rate mortgage with a fixed rate for the first year, adjusting up to 2% every 12 months but staying within 6% of the original rate.