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Personal and Business Banking


Savings and Money Market Rates

Earn a competitive return on your savings at DCU

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  • Ltd Savings Account
  • Money Market Account
  • Savings and Club Accounts

DCU Ltd Savings Account*

Minimum balance of $25,000 to earn dividends. No minimum to open. Unlimited deposits. One free withdrawal (either as cash or a transfer of funds) per month.

Balance Tiers Dividend Rate Annual Percentage Yield
When daily balance is $25,000 or more 1.90% 1.92%

Rates are effective .

*Rate may change after the account is opened and is subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, and Schedule of Fees and Service Charges.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Money Market Savings Account*

$1,000 minimum balance to earn dividends.

Balance Tiers Dividend Rate Annual Percentage Yield
When daily balance is $100,000.00 or more 1.75% 1.77%
When daily balance is $50,000.00 to $99,999.99 1.65% 1.66%
When daily balance is $25,000.00 to $49,999.99 1.65% 1.66%
When daily balance is $10,000.00 to $24,999.99 1.55% 1.56%
When daily balance is $1,000.00 to $9,999.99 1.55% 1.56%

Rates are effective .

*Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Money Market dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Primary Savings*

Account / Minimum / Terms Dividend Rate Annual Percentage Yield
Primary Savings rate on first $1,000^ - Minimum $5 balance 6.00% 6.17%**
Primary Savings rate on remaining balance 0.25% 0.25%

Rates are effective .

* A dividend rate of 6.00% will be paid on your daily balance up to $1,000.00. The Annual Percentage Yield (APY) for this tier will be 6.17%. A dividend rate of .25% will be paid on any daily balance over $1,000.00. The APY will then range from 6.17% to .25% depending on the total account balance. Requires a $5.00 minimum balance to open the account and earn the APY.

^ One Primary Savings account per person. Additional memberships receive one Savings Account. Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Holiday Club Savings Account*

Minimum/Terms Dividend Rate Annual Percentage Yield
Minimum $20 monthly deposit 0.25% 0.25%

Rates are effective .

*Rate may change after the account is opened and is subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Holiday Club Savings Account Application and Disclosure, and Schedule of Fees and Service Charges

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Member Described Savings Account*

Minimum/Terms Dividend Rate Annual Percentage Yield
Earned on entire balance when $100 or more 0.25% 0.25%

Rates are effective .

*Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.