Benefits of a DCU Membership
Learn more about our commitment to help members achieve financial wellness.
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Smart Savings
Insuring your money up to $3 million.
Now, that’s peace of mind.
FEATURED SAVINGS CONTENT
Are Credit Unions Safe for Your Savings?
The answer to “Are credit unions safe?” is a resounding “Yes.” Why? Learn how credit unions are protecting their members, here. Start saving with DCU, today!
SMART SAVINGS
AS HIGH AS
1.51%
APY1
Your money is federally insured up to $3 million – with a rate that’s higher than the national average.2
OPEN NOWMinimum to Earn
$0.00MINIMUM TO OPEN
$0.00Monthly Fee
$0.00Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participitating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Benefits
- Federally insured – up to $3M in coverage.
- High Annual Percentage Yield (APY) – receive a rate that’s higher than the national average.2
- No minimum balance to earn – start earning on any balance.
SMART SAVINGS
Federally insured up to $3 million | $0.00 minimum to open | $0.00 minimum to earn
| Minimum Daily Balance to Earn | Dividend (Interest) Rate | APY¹ |
|---|---|---|
| No minimum | 1.50% | 1.51% |
Rates are effective
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account.
Smart Savings is a sweep account, which means that balances in excess of $250,000 and up to the Maximum Program Deposit Amount (currently $2,750,000.00) will be automatically swept to FDIC and/or NCUA-insured accounts held at participating Receiving Financial Institutions. Balances that exceed the Maximum Program Deposit Amount will remain in the Smart Savings Account at DCU. The same Dividend (Interest) Rate and APY apply to the entire account balance (including funds that remain in the Smart Savings Account). The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time.
This DCU Smart Savings Rate Sheet is incorporated into the Smart Savings Terms and Conditions. Please refer to DCU’s Smart Savings Terms and Conditions, DCU’s Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.
How much could I save over time?
Whether you’re saving a lot or a little, get a clearer picture of how much you can save.
This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy regarding your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation. These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service. The calculations provided should not be construed as financial, legal, or tax advice. Consult a financial professional prior to relying on the results presented.
Contact Us
We’d love to hear from you!
Whether you have questions, feedback, or something else you’d like to share, we’re here to listen.
Because at DCU, people come first.
Current Participating Program Institutions:
| RECEIVING FINANCIAL INSTITUTIONS | ALLOCATION |
|---|---|
| City National Bank | 8.34% |
| Metropolitan Commercial Bank |
8.34% |
| Citizens Bank, NA | 8.34% |
| Comerica Bank | 8.34% |
| Peapack-Gladstone Bank | 8.33% |
| First Business Bank | 8.33% |
| Sallie Mae Bank | 8.33% |
| BOK Financial | 8.33% |
| HSBC Bank USA, NA | 8.33% |
| Greenstate Credit Union | 8.33% |
| Bell Bank | 8.33% |
| Umpqua Bank | 8.34% |
Open Your Account Online In 3 Easy Steps
STEP 1
Login to your digital banking account > Click the “Membership” tab > Click “Open New Account”
STEP 2
Select the “Savings & Checking” tab > Click “add” under “Smart Savings” > Click “Continue”
STEP 3
Simply follow the rest of the directions and your account will be opened quickly and easily.
Membership Eligibility
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
You’re an owner, not a number.
DCU is a not-for-profit, member-owned credit union that puts you first. And unlike banks, we don’t answer to the needs of stockholders.
Community Involvement
DCU takes pride in sponsoring and participating in charitable, educational, and other community events – from providing college scholarships to supporting local non-profits.
Better rates and lower fees.
As a credit union, DCU returns its profits to members by keeping fees to a minimum, loan rates low, and offering higher-than-average interest rates on savings.
Financial Education
From childhood through adulthood, DCU has the tools and resources members need to better manage their finances.
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2The national average annual percentage yield ("APY") for savings accounts is updated monthly, please refer to the Federal Deposit Insurance Corporation.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
