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Advantage Savings Account

Get the most out of your savings with a faster way to grow your money.

At a Glance

Helping our members prepare for their financial future starts with saving money for life’s big moments.


High Annual Percentage Yield (APY) - receive an APY of 0.50%
No minimum balance to earn - start earning on any balance
Compounding earnings - dividends are compounded (added to the principal balance) on a monthly basis
As High As
0.50% APY




No Minimum



Advantage Savings Account

Minimum Daily Balance to earn Minimum Daily Balance to earn Interest (Dividend) Rate Interest (Dividend) Rate APY¹ APY¹
No minimum 0.50% 0.50%
Minimum Daily Balance to earn Minimum Daily Balance to earn Interest (Dividend) Rate Interest (Dividend) Rate APY¹ APY¹
No minimum 0.50% 0.50%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Advantage Savings is a sweep account, which means that balances up to the Maximum Program Deposit Amount ($200,000.00) will be automatically swept to interest-bearing FDIC insured deposit accounts held at participating Receiving Financial Institutions. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time.

Balances that exceed the Maximum Program Deposit Amount will remain in the Advantage Savings Account at DCU. The same Interest Rate and Annual Percentage Yield (APY) apply to the entire account balance (including funds that remain in the Advantage Savings Account). Please refer to DCU's Advantage Savings Terms and ConditionsAccount Agreement for Consumers, and Schedule of Fees and Service Charges, for additional important information and disclosures.

This DCU Advantage Savings Rate Sheet is incorporated into the Advantage Savings Terms and Conditions. Review the Advantage Savings Terms and Conditions for important information regarding the Advantage Savings Account.

Current Participating Program Institutions: 



E*Trade Bank, Arlington VA


Citibank N.A. Sioux Falls, SD


Plan to Save Money

Choose from our easy to use calculators to help you reach your savings goals.

  • How can I save a million dollars?
  • How much should I save each month to reach a savings goal?

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