Savings

Savings solutions as unique as you are.

You work hard for your money, so your savings accounts should, too.


Our savings accounts work hard by earning dividends while giving you immediate access to your funds online, in a branch or at 1,700 fee-free ATMs in Michigan, and more than 30,000 nationwide, through Co-Op Network ATMs.

Savings account options that fit your your unique lifestyle:

  • Savings account is a basic account that pays while you save
  • Holiday Savings account is designed to save for holiday spending any time of the year
  • Special Savings account to set aside funds for a dream vacation, school tuition and special life events
  • Wise Kids Club* is for young members up to age 12 who are automatically enrolled in our kid-friendly savings club when they open their account
  • Minor Accounts for members age 10-17
  • Earn Cash Back for bringing your savings to us

Certificates--secure savings and a fixed dividend:

Certificates** offer a fixed dividend rate over a specific duration of time for a safe, sound and secure savings solution.

  • Short and long-term options available: 3 month, 6 month, 1 year, 2 year, 3 year, 5 year
  • Dividend compounded and paid quarterly***
  • Dividends begin to accrue on the business day the funds are deposited
  • Automatic renewal when your Certificate matures
  • Balances as low as $1,000 to open
  • Certificates balances may increase your Cash Back loyalty reward
  • Tiered Rate Structure based on Certificate balances
    • $1,000 to $24,999
    • $25,000 to $99,999
    • $100,000 and more

Name APY and Dividend Rate2
Savings 0.05%
Holiday and Special Savings Account 0.05%

Rates effective as of 12/3/2016

*Must be 10 years of age to qualify for a DFCU Financial ATM card

**Penalty for early withdrawal of funds may apply on Certificate products.

***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.

1APY = Annual Percentage Yield. Paid and Compounded Monthly. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
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 deposit products are insured by the NCUA.

 

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.

DFCU Financial - Copyright © 2016 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, 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 $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.