We offer Savings, Money Market, Ltd Savings Account, and Holiday Club Accounts. We also offer a First-Time Homebuyer Savings Program called the American Dream Certificate. We also offer Savings Products for Children and Young Adults. All of these products are easy to open and earn competitive returns. Learn more about DCU Savings Options.

Our Certificate Accounts work like bank CD's and pay our highest rates. You can open one for as little as $500 ($100 for young members) for any time period between 3 months and 5 years.

Even Higher Dividend Rates with Loyalty Checking Plus – If you have a Loyalty Checking Plus relationship when you open or renew a DCU Certificate, you'll automatically receive the highest published dividend rate for that certificate.

For information on Laddering Certificates, read our StreetWise Guide to Laddering Certificates

IRAs are available at DCU with a wide range of investment options including Money Markets, Certificates, Savings and alternative investments. IRA funds deposited at DCU are federally insured to $250,000 per member by the National Credit Union Administration (NCUA). Each of these accounts can be opened as a Traditional IRA, Roth IRA, Education IRA, Savings Incentive Match Plan for Employees (SIMPLE), or Simplified Employee Pension (SEP).

For more information on IRAs, visit our Retirement Central Service Center and read our StreetWise Guide to IRAs.

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