Business Savings
- Interest-bearing savings account
- Minimum balance of $5,000 to avoid a monthly fee
- Business Cash Back loyalty reward--our way of thanking you for choosing us
Business Certificates
- Interest-bearing certificate providing businesses both short- and long-term savings options
- Low minimum amount of $1,000 to open
- Business Cash Back loyalty reward--our way of thanking you for choosing us
Note: our business loans and credit cards could also pay Cash Back to qualified members each January.
Cash Back is one-half percent (0.50%) of your average yearly business loan and deposit balances. Example: For every $100,000 in average yearly business loan and deposit balances, receive $500 in Cash Back!
| Tier |
APY2 |
| $0 to $2,499 |
0.05% |
| $2,500 to $24,999 |
0.05% |
| $25,000 to $49,999 |
0.05% |
| $50,000 to $99,999 |
0.05% |
| $100,000 to $249,999 |
0.15% |
| $250,000 to $499,999 |
0.20% |
| $500,000 and up |
0.25% |
Rates effective as of 1/27/2021
3 month
| Tier |
APY1 |
| $1,000 to $24,999 |
0.10% |
| $25,000 to $99,999 |
0.15% |
| $100,000 and up |
0.20% |
6 month
| Tier |
APY 1 |
| $1,000 to $24,999 |
0.15% |
| $25,000 to $99,999 |
0.20% |
| $100,000 and up |
0.25% |
1 year
| Tier |
APY 1 |
| $1,000 to $24,999 |
0.20% |
| $25,000 to $99,999 |
0.25% |
| $100,000 and up |
0.30% |
2 year
| Tier |
APY 1 |
| $1,000 to $24,999 |
0.25% |
| $25,000 to $99,999 |
0.30% |
| $100,000 and up |
0.35% |
3 year
| Tier |
APY 1 |
| $1,000 to $24,999 |
0.30% |
| $25,000 to $99,999 |
0.35% |
| $100,000 and up |
0.40% |
5 year
| Tier |
APY 1 |
| $1,000 to $24,999 |
0.50% |
| $25,000 to $99,999 |
0.60% |
| $100,000 and up |
0.70% |
Rates effective as of 1/27/2021
1Dividends are paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs (Annual Percentage Yields) and dividend rates expected to be paid. 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. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Please refer to your statement for actual Annual Percentage Yield. All savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration, a US Government agency. Rates are subject to change without notice.
2APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial business deposit balances are federally insured by the NCUA up to $250,000.