BUSINESS SAVINGSBuild Reserves While Earning Cash Back*
Whether you’re building toward your next expansion, new equipment, or simply preparing for what’s next, a DFCU business savings account puts your reserves to work – with options for every stage of your business.
Get More From Your Business Savings
Business Savings
An interest-bearing certificate providing businesses with both short- and long-term savings options and a low minimum amount of $1,000 to open.
Business Share Certificates
Lock in a rate for the term that fits your plans, from 3 months to 5 years, with a low $1,000 minimum to open, and your rate is locked for the full term.
Business Money Market**
Earn tiered interest while keeping immediate access to your funds, with just a $2,500 minimum to open, and no maintenance fee when you maintain that $2,500 daily balance.
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.50% |
| $25,000 to $49,999 | 1.50% |
| $50,000 to $99,999 | 2.00% |
| $100,000 to $249,999 | 2.50% |
| $250,000 to $499,999 | 2.75% |
| $500,000 and up | 3.00% |
Rates effective as of 11/03/2026.
Business Savings Rates
| APY1 | 0.02% |
|---|
| APY1 | 0.50% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.50% |
|---|
| APY1 | 2.75% |
|---|
| APY1 | 3.00% |
|---|
3 Month
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 3.75% |
| $100,000 and up | 3.75% |
6 month
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 4.00% |
| $25,000 to $99,999 | 4.00% |
| $100,000 and up | 4.00% |
11 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 4.25% |
| $25,000 to $99,999 | 4.25% |
| $100,000 and up | 4.25% |
1 year
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 3.50% |
| $25,000 to $99,999 | 3.50% |
| $100,000 and up | 3.50% |
18 month
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 3.25% |
| $25,000 to $99,999 | 3.35% |
| $100,000 and up | 3.50% |
2 year
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
3 year
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
5 year
| Tier | APY2 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
Rates effective as of 11/03/2026.
Business Share Certificates Rates
3 Month
| APY2 | 3.75% |
|---|
| APY2 | 3.75% |
|---|
| APY2 | 3.75% |
|---|
6 month
| APY2 | 4.00% |
|---|
| APY2 | 4.00% |
|---|
| APY2 | 4.00% |
|---|
11 month
| APY1 | 4.25% |
|---|
| APY1 | 4.25% |
|---|
| APY1 | 4.25% |
|---|
1 year
| APY2 | 3.50% |
|---|
| APY2 | 3.50% |
|---|
| APY2 | 3.50% |
|---|
18 month
| APY2 | 3.25% |
|---|
| APY2 | 3.35% |
|---|
| APY2 | 3.50% |
|---|
2 year
| APY2 | 1.75% |
|---|
| APY2 | 2.00% |
|---|
| APY2 | 2.20% |
|---|
3 year
| APY2 | 1.75% |
|---|
| APY2 | 2.00% |
|---|
| APY2 | 2.20% |
|---|
5 year
| APY2 | 1.75% |
|---|
| APY2 | 2.00% |
|---|
| APY2 | 2.20% |
|---|
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.50% |
| $25,000 to $49,999 | 1.50% |
| $50,000 to $99,999 | 2.00% |
| $100,000 to $249,999 | 2.50% |
| $250,000 to $499,999 | 2.75% |
| $500,000 and up | 3.00% |
Rates effective as of 11/03/2026.
Business Insured Money Market Rates
| APY1 | 0.02% |
|---|
| APY1 | 0.50% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.50% |
|---|
| APY1 | 2.75% |
|---|
| APY1 | 3.00% |
|---|
Business Switch Kit
Our expert teams are ready and available to help you through the process of switching your business accounts to us. Discover what you need to know to switch your business funds to DFCU.
Earn Cash Back*
Every dollar you save with DFCU can also help grow your business Cash Back. Use our Cash Back Calculator to estimate your potential payout based on your savings, certificate, and money market balances.
Mobile & Online Banking
With internet access, your DFCU Financial business accounts are at your fingertips through DFCU Online.
Frequently Asked Questions
Switching banks sounds like a hassle. We make sure it isn’t. Our team handles the details so your business doesn’t miss a beat.
Here’s how it works:
- Assess your current banking needs. Stop by any of our locations and we will assess your current banking needs, match your business’s needs to a DFCU business deposit solution and answer your questions about switching your business accounts to us.
- Gather documentation. Please have the documents needed to open your business deposit account based on the legal type of business you operate: Documents Required to Open an Account
- Open your account(s). Forms and signatures are a necessary part of the account opening process. All owners of the business must sign the Business Resolution and a Business Membership Application (forms below).
Signature verification is required for all signers on the account, i.e., copy of valid driver’s license, etc.
The business must reside or be located within Michigan’s lower peninsula or in one of the approved counties in Florida. If the business is not located within our field of membership, eligibility will be determined by the owners, where more than 50% of your business owners must qualify to be a member at DFCU Financial. Business Non-Member Record
If you are moving your banking relationship from another financial institution, our representatives will help you determine which business accounts and services best meet your small business’s banking needs. During our initial conversation, we’ll explain how to use your DFCU Financial business accounts to your company’s advantage in the future.
Business Account Funding Options
Business Automatic Payment Transfers Checklist
Automatic Payment Transfers Packet
Common Electronic Payment Contact Information
We’ll work with you to identify automatic payments transferred from your existing business account(s) and provide you with the necessary letters to make the transition to DFCU. We’ll generate a letter for you to submit to your current financial institution to close your existing business account(s). Start to finish, we’re here to guide you through the steps necessary to complete the switch:
- Updating account information on websites you use often
- Switching online bill-pay service, if applicable
- Changing recurring transactions linked to an existing debit card
- Business Switch Kit Checklist
To start this process, visit your local DFCU Branch Office.
Cash Back is DFCU Financial’s way of sharing our success with the members who make it possible – and we’ve paid it every year since 2007, returning more than $511 million to members over 20 years. If your business qualifies, we calculate Cash Back* as 0.25% of your average yearly business deposit balance and deposit it directly into your account each January.
Business Savings has no minimum to open but requires a $5,000 balance to avoid a monthly fee. Business Certificates open with $1,000. Business Money Markets open with $2,500.
NCUA share insurance coverage may vary based on individual circumstances. Estimate your share insurance coverage using the NCUA’s Share Insurance Estimator here.
Bank Smarter With These Solutions
Support You Can Count On
Whether you’re ready to join or just have questions, our team is here to help you move forward with confidence.
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Learn More**Business Money Market is currently available in our Florida market only.
1APY = Annual Percentage Yield. Paid and compounded monthly on Business Savings and Money Market accounts. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened.
2 Interest is paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs and interest rates expected to be paid. Dividend rates are determined by the principal balance when your certificate is opened. Interest payments will not affect the interest rate during the term even if the minimum balance for the next tier is met. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Rates are subject to change without notice.
DFCU Financial business deposit balances are federally insured by the NCUA up to $250,000.
