Savings accountsWatch Your Money Grow
You deserve a savings account that works as hard as you do. DFCU offers members savings accounts designed to help save smarter, earn more, and get rewarded with annual Cash Back* on every eligible account.
Choose the Savings Account That’s Right for You
Everyday Savings Account
A simple, reliable savings account that helps members build financial security.
Money Market Account
Earn higher interest on larger balances with a money market account that gives members the flexibility to access their funds.
Kids and Teen Savings
Give your child a head start with a savings account designed to build smart money habits that grow along with them.
Holiday and Special Savings
Set aside money throughout the year for the holidays and the moments that matter most.
Debit RoundUp**
Enroll today and start putting your spare change to work. It’s the easiest way to save!
Savings You Can Count On
A DFCU savings account is the foundation of your membership – and a simple, low-barrier way to start building financial security. Open with as little as $5.
Most savings accounts are eligible for Cash Back.*
Open Holiday and Special Savings Accounts.
For our younger members aged 12–17, we offer Youth Savings Accounts, and everyone is eligible for the Kids Club. Learn more about Youth Accounts.
Earn more With a Money Market Account
Our Insured Money Market Accounts (IMMA) reward members who save more. With tiered interest rates, the higher your balance, the more you earn, making it an ideal option for members building a larger emergency fund or saving toward a big goal.
Rates vary by balance tier; see the table below for current APYs.
Open with a minimum deposit of $2,500.
Flexible access to your funds when you need them.
Federally insured up to $250,000 by the NCUA.
| Name | APY1 |
|---|---|
| Savings | 0.02% |
| Holiday and Special Savings | 0.02% |
Rates effective as of 11/03/2026.
Savings Account Rates
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
Insured Money Market
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 0.02% |
| $100,000 to $249,999 | 0.05% |
| $250,000 to $499,999 | 0.10% |
| $500,000 and up | 0.15% |
Premier Money Market
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 1.50% |
| $100,000 to $249,999 | 2.85% |
| $250,000 to $499,999 | 3.15% |
| $500,000 to $999,999 | 3.25% |
| $1,000,000 and up | 3.70% |
Rates effective as of 11/03/2026.
Insured Money Market Account Rates
Insured Money Market
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.05% |
|---|
| APY1 | 0.10% |
|---|
| APY1 | 0.15% |
|---|
Premier Money Market
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.85% |
|---|
| APY1 | 3.15% |
|---|
| APY1 | 3.25% |
|---|
| APY1 | 3.70% |
|---|
| APY1 |
|---|
| 0.02% |
Rates effective as of 11/03/2026.
IRA Savings Rates
| APY1 |
|---|
| 0.02% |
Frequently Asked Questions
You can open a Regular Savings Account with as little as $5. A Money Market Account requires a $2,500 minimum opening deposit. Share Certificate minimums vary by term. Youth savings accounts can be opened with $5.
Yes. DFCU offers youth savings accounts for members ages 10–17 and youth checking accounts for kids ages 12–17. Youth accounts can easily and safely be managed via DFCU Online or DFCU Mobile, giving you and your child the tools to:
- Check account balances in real time
- Monitor and track spending
- Deposit a check anytime, anywhere with Mobile Deposit
- Review monthly statements online with eDocuments
Simply call the Member Service Center at 888.336.2700 or visit your local branch to open a Kids account. You’ll need one of the following types of ID:
- State ID
- U.S. passport
- Driver’s license
- School ID with photo and either birth certificate or Social Security card
- School ID without photo, birth certificate and Social Security card
With Debit RoundUp, each purchase you make with your DFCU Mastercard® debit card will be automatically rounded up to the nearest whole dollar amount. The change is transferred into your savings account each day. Easy? You bet.
Ready to start saving? Just a few things you’ll need to get going: a checking account, a DFCU Mastercard debit card, and a savings account. (We’ll be happy to set you up with any or all of those.) Then just click the link below to enroll electronically, or you can download and print the form here, complete it, and bring it in to your local branch or mail it to DRU Enrollment, P.O. Box 610, Dearborn, MI 48121.
- Business Accounts are not eligible for Debit RoundUp.
- ATM Cards are not eligible for Debit RoundUp.
- The tax owner and/or the joint owner of the checking account are able to enroll in Debit RoundUp.
- Joint account holders are automatically enrolled — no need to sign up separately.
- Have questions? Check out our Frequently Asked Questions.
See the enrollment form for a full description of how the program works and applicable disclaimers.
DFCU serves members across Michigan and Florida, with branches in communities including the greater Detroit area, Ann Arbor, Lansing, Brighton, and additional locations throughout the state, as well as branches in the Tampa Bay area, Fort Myers, Naples, Orlando, and surrounding communities. Members also have access to more than 1,700 ATMs in Michigan and over 37,000 ATMs nationwide through the Co-op ATM network. Find the location nearest you.
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**Note about eligibility:Business Accounts are not eligible for Debit RoundUp. ATM Cards are not eligible for Debit RoundUp. The tax owner and/or the joint owner of the checking account are able to enroll in Debit RoundUp. Joint account holders are automatically enrolled — no need to sign up separately. Have questions? Check out our Frequently Asked Questions.See the enrollment form for a full description of how the program works and applicable disclaimers.
***Must be 10 years of age to qualify for a DFCU Financial ATM card.
Savings Account Rates
1APY = 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. Deposit account balance may increase your Cash Back.* DFCU Financial deposit products are insured by the NCUA.
Insured Money Market Account Rates - Premier Money Market
Note: $2,500 minimum deposit to open.
1APY = 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. Deposit account balance may increase your Cash Back* (Premier IMMAs excluded). DFCU Financial deposit products are insured by the NCUA.
IRA Savings Rates
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.
