Copper Creek DVC: resale or direct, which should you buy?
Buying Guide 002: Copper Creek Villas & Cabins, resale or direct. Same 150 points, $15,659 apart, and the resale contract is the cheapest to own, per point per year, of any DVC resort whose resale points still book the 14 original resorts.
Here is what each route costs, what direct actually adds, where Copper Creek ranks against the other 16 resorts, how its dues have moved since 2017, how long it takes to pay for itself, and what Disney is (and isn't) offering right now.
See it on Instagram@dvccompanion · the original 8-slide carousel→The short version
- Resale: $23,391 for 150 points ($145.94 a point plus $1,500 closing), about $11.18 per point per year to own.
- Direct: $39,050 ($255 a point plus about $800 closing), about $13.66 per point per year.
- Resale Copper Creek keeps the 14 original resorts at 7 months and the 11-month home window; it loses Riviera, Disneyland Hotel, the Cabins and Membership Extras.
- Only Riviera is cheaper per point per year on resale, and resale Riviera points book only Riviera.
- Dues rose about 2.3% a year since 2017, the slowest of the 14 resorts open that whole span.
Resale costs about 60% of direct
150 points, full contract length (the deed ends in 2068, 42 years left):
| Resale | Direct from Disney | |
|---|---|---|
| Price | $23,391 | $39,050 |
| How | $145.94/pt + $1,500 closing | $255/pt + about $800 closing |
| Per point, per year to own | $11.18 | $13.66 |
Per year to own is the price spread over the 42 years left on the deed, plus yearly dues (growing 4% a year, in today's dollars). Same points: $2.48 more per point, every year, direct, or $15,659 more up front.
What direct buys you, and what resale keeps
- Keeps: the 14 original resorts at 7 months, Copper Creek included.
- Loses: Riviera, Disneyland Hotel and the Cabins. Resale points bought since 2019 can't book them.
- Keeps: owning here is how you actually get Copper Creek. Studios are mostly gone by the 7-month window; owners book at 11 months, and that comes with resale points too.
- Loses: Membership Extras (discounts, member events) need 150+ points bought direct.
- Loses: cruises and Concierge Collection hotels can't be booked with recent resale points.
Disney Vacation Club's resale rules. Disney can change Membership Extras at any time.
The cheapest to own that books 14 resorts
Resale cost per point per year to own, 150 points, full contract, every DVC resort, with 2026 dues per point:
| # | Resort | $/pt/yr | Deed ends | Dues $/pt |
|---|---|---|---|---|
| 1 | Riviera* | $10.84 | 2070 | $9.46 |
| 2 | Copper Creek | $11.18 | 2068 | $9.02 |
| 3 | Polynesian | $11.51 | 2066 | $8.33 |
| 4 | Grand Floridian | $11.68 | 2064 | $8.31 |
| 5 | Disneyland Hotel* | $11.96 | 2074 | $10.54 |
| 6 | Bay Lake Tower | $12.01 | 2060 | $8.74 |
| 7 | Saratoga Springs | $12.26 | 2054 | $9.19 |
| 8 | Aulani | $12.38 | 2062 | $10.96 |
| 9 | Cabins at Fort Wilderness | $12.81 | 2075 | $12.28 |
| 10 | Animal Kingdom | $12.91 | 2057 | $10.16 |
| 11 | Grand Californian | $16.05 | 2060 | $9.52 |
| 12 | Boulder Ridge | $16.43 | 2042 | $9.77 |
| 13 | Hilton Head | $16.77 | 2042 | $12.86 |
| 14 | Old Key West | $17.24 | 2042 | $11.21 |
| 15 | BoardWalk | $17.70 | 2042 | $9.67 |
| 16 | Vero Beach | $17.84 | 2042 | $14.89 |
| 17 | Beach Club | $18.66 | 2042 | $9.81 |
*Resale points book only that resort. Only Riviera is cheaper, and its resale points book only Riviera. The 2042 deeds cost the most: fewer years to spread the price over. Fidelity Real Estate's September 2026 resale averages.
Dues rose the slowest of any resort
Average yearly dues increase per point, 2017 to 2026, the 14 resorts open that whole span:
| Resort | Per year | Resort | Per year |
|---|---|---|---|
| Copper Creek | 2.3% | Aulani | 5.1% |
| Polynesian | 3.4% | Beach Club | 5.1% |
| Grand Floridian | 3.9% | Saratoga Springs | 5.7% |
| Boulder Ridge | 4.6% | Grand Californian | 6.1% |
| BoardWalk | 4.6% | Old Key West | 6.4% |
| Animal Kingdom | 4.9% | Hilton Head | 6.5% |
| Bay Lake Tower | 5.0% | Vero Beach | 7.0% |
Copper Creek's dues went from $7.33 to $9.02 a point, about $1,100 to $1,353 a year on 150 points. Riviera, Disneyland Hotel and the Cabins opened too recently for the comparison. Past increases don't promise future ones.
When does it pay for itself? About 6 to 11 years on resale
| Measured against | Resale | Direct |
|---|---|---|
| Paying Disney cash (points worth $30 each) | 6 years | 10 years |
| Renting points from an owner (points worth $20 each) | 11 years | 15 years |
Each year you own, the points you use are worth $30 (what Disney would charge for the stay) or $20 (renting them from another owner), and you pay $1,353 in dues. The years are how long that takes to cover a $23,391 resale or $39,050 direct buy-in, with point values rising 5% a year and dues 4%, and nothing counted for selling the contract later.
These numbers swing a lot with the assumptions: if prices and dues never rise, resale takes about 7 and 14 years. Run your own in the free Buying Guide.
Want it direct? You'll have to ask
Disney isn't advertising Copper Creek: no deal, and it's not on Disney's pricing page. It's still for sale at $255 a point (100-point minimum, 25 for current members). Call a DVC Guide and ask for it by name.
Disney's deals elsewhere for new members buying 200 points, as of October 8, 2026:
- Aulani: $8,000 off
- Cabins at Fort Wilderness: $7,600 off
- Disneyland Hotel: $5,200 off
- Riviera: $4,200 off
- Polynesian: $2,400 off
Smaller purchases get smaller offers or none, so ask Disney what yours would be. Offers end December 9, 2026 and change often.
Copper Creek DVC points chart: every room and season →
Your turn: Resale or direct: which would you buy, or which did you buy? Tell us in the comments on Instagram.
150 points, studios, full contract length (deed ends 2068). Resale: Fidelity Real Estate's September 2026 averages; direct price and promotions: DVCNews, Oct 8, 2026; direct closing costs from Disney's own estimates. Per year to own = price + closing spread over the years left, plus yearly dues (4%/yr growth, today's dollars). Payoff: points valued at $30 (Disney's cash price) or $20 (renting from an owner), rising 5%/yr, against dues rising 4%/yr; nothing counted for reselling. Dues growth: published dues by year, 2017–2026. Prices change monthly. Not financial advice.
