DFCU Financial consistently pays out more Cash Back than any financial institution in the state of Michigan.
Each January, we deposit Cash Back* into the accounts of qualified members based on their average yearly loan and deposit balances from the prior year. That's why we're the Cash Back Credit Union.
When you open a savings account for a child or young adult under the age of 17, and maintain a balance of at least $100, he or she could earn $50 from us every year until they reach the age of 18.
Calculate your Cash Back
Interested in learning how much Cash Back you may receive next year? Use our calculator to find out! Your reward may cover a night on the town or a mortgage payment.
If you're not eligible, speak to our one our branch managers or call the Member Service Center to find out how you can be sure to get your share of Cash Back next year.
If you're a DFCU Financial member, you can also log into DFCU OnLine and look for your projected Cash Back total at the top of the homepage.
Cash Back Eligibility
- Ages 26 and over: Must have an average yearly loan and/or deposit balance of $5,000
- Ages 18-25: Must have an average yearly loan and/or deposit balance of $1,000
- Ages 0-17: Must have an average yearly loan and/or deposit balance of $100
Cash Back eligibility is determined by a person's age as of December 31 of the prior year. To receive Cash Back, you must be a member on the Cash Back deposit date.
The estimated Cash Back amount is calculated based on the Cash Back criteria and one full calendar year of relationship with DFCU Financial beginning in January. If you begin your relationship during any other month of the year, the amount will be different.
*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.