Member Perks

Why choose DFCU Financial?

We're the only financial institution qualified to be your financial partner for life.

Your DFCU Financial team has the knowledge and experience to guide you toward financial decisions that help you achieve all of life's milestones. From educational seminars to the perfect loan for your budget, we align our products and services with you and use our expertise and resources to guide you to financial success.

We'll empower you to take charge of your finances.

Our goal is to build your financial confidence. Our holistic approach to banking is unique, and our local experts will help you and your family achieve financial stability.

You can get a personalized evaluation of your financial situation and a road map to help you achieve your financial goals by scheduling a one-on-one consultation. You can also attend one of our free financial education seminars at a location near you.

We'll make it easy for you to manage your money.

DFCU Online allows you to manage your money anytime, any place with your computer or mobile device. DFCU Mobile lets you deposit checks, transfer funds, pay bills and check balances on your Apple or Android devices. And since we're part of the CO-OP Network, you can access nearly 30,000 fee-free ATMs nationwide.

We'll help you save your money.

Take advantage of our 15% membership discount at The Henry Ford. RxOptical VisionAdvantage offers discounted optical care at locations throughout Michigan. You can even save up to $15 on TurboTax federal products. We also offer discounts on insurance, and we offer notary public services at no charge (notary public service is also available to non-members for a $10 fee).

We'll pay you each January.

Through our record-breaking Cash Back loyalty reward, we consistently pay out more money to our members than any other financial institution in the state of Michigan.

Qualified members receive a one-half percent (0.50%) Cash Back loyalty reward on average loan and deposit balances annually*. Each qualified member receives a minimum of $50. We've paid hundreds of millions in Cash Back to our members since 2007.

Whether you're a borrower or a saver, you may be eligible for Cash Back this January.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.