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Advantage Savings Account
Earn 3.00% APY on any balance. That’s over 7x the national average2 for savings accounts.
Turn financial goals into real growth with a savings account that’s high yield and low maintenance. Whether you start small or go big, your future grows either way. (See disclosures)
Benefits
Prepare for life’s big moments with a faster way to save.
- High Annual Percentage Yield (APY) – receive over 7x higher APY than the national average for savings accounts.2
- No minimum balance to earn – start earning on any balance.
- Compounding earnings – dividends are compounded (added to the principal balance) on a monthly basis.
- Goals-Based Banking – through innovative tools and technology, you’ll benefit from personalized strategies that help make every dollar count.
Advantage Savings
As High As
3.00%
APY
Get the most out of your savings with a faster way to grow your money.
Open NowMinimum To Earn
$0.00Minimum To Open
$0.00Monthly Fee
$0.00Savings Calculator
Now is the best time to start saving for the future.
- How can I save a million dollars?
- How much could I save over time?
Frequently Asked Questions
Savings accounts provide a safe place to store your money while earning dividends – offering steady growth and federal insurance protection. High‑yield and competitive‑rate savings accounts can help you maximize earnings while keeping your funds secure and available.
Yes. Both banks and credit unions are federally insured up to applicable limits. This makes them a popular choice for those looking to earn a competitive dividend rate without taking on the risks associated with market-based investments.
No. There is no minimum balance to start earning dividends with an Advantage Savings account from DCU. That way you can access our high‑yield savings option without needing a large initial deposit or additional balance requirements.
Yes. With an APY1 as high as 3.00% and compounding monthly dividends, an Advantage Savings account is a great way to support your long-term financial goals. Whether you’re building an emergency fund or preparing for major life events. As your money grows, our Goals-Based Banking program can help you create customizable savings goals, track your progress in real time, and celebrate milestones along the way – helping you stay on track.
Dividends are compounded and credited to your account monthly. This key feature helps your balance grow faster than accounts that compound less frequently.
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.
Why it pays to save with DCU
No Monthly Maintenance Fees
No monthly maintenance fees. Because saving money shouldn’t cost you money.
Big Earnings, Lower Rates
As a member-owned credit union, DCU puts profits where they belong – in your pocket. That means higher returns on savings and lower costs on loans.
Video Guides
Membership Required. Digital Federal Credit Union members are eligible for the greenlight SELECT plan at no cost when they connect their Digital Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 11/12/2026. Offer subject to change and partner participation.
The Power of Banking That Works for You
At DCU, we do things differently. Starting with an actually free checking account and savings accounts that help you reach your goals.
This short video will help you gain a deeper understanding of our Free Checking, Primary Savings, and Advantage Savings accounts – all designed to help you keep more of your money (and watch it grow).
Advantage Savings
| Minimum Daily Balance to Earn | Dividend Rate |
APY1 |
|---|---|---|
| No minimum | 2.96% | 3.00% |
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. Dividends compounded and credited monthly. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, Business Account Agreement, and Schedule of Fees and Service Charges for additional important information and disclosures.
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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
