Benefits of a DCU Membership
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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|
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.
Whether you’re saving a lot or a little, get a clearer picture of how much you can save.
|City National Bank||8.34%|
|Metropolitan Commercial Bank||8.34%|
|Citizens Bank, NA||8.34%|
|First Business Bank||8.33%|
|Sallie Mae Bank||8.33%|
|HSBC Bank USA, NA||8.33%|
|Greenstate Credit Union||8.33%|
Login to your digital banking account > Click the “Membership” tab > Click “Open New Account”
Select the “Savings & Checking” tab > Click “add” under “Smart Savings” > Click “Continue”
Simply follow the rest of the directions and your account will be opened quickly and easily.