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What Can DCU Save You?

Ltd Savings Account

High variable rates, unlimited deposits, one free monthly withdrawal



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Ltd Savings Account

Ltd Savings Account

  • Our highest variable savings account rates
  • Unlimited deposits
  • No charge for first withdrawal per month*
  • $25,000 minimum to earn dividends
  • $0 to open
  • Free online, mobile, and branch access
  • Federally insured by NCUA

*A withdrawal is defined as any money removed from the account whether it is cash or a transfer of funds.

Please refer to Details and Rates tabs for additional information and important disclosures.

"Useful Product"

Open quote This product is a good compromise between a Money Market account and a Certificate, especially in these low interest times. Very useful if you are saving for a specific need. Close quote

— Jeff, Boxborough, MA

Ltd Savings Account Details

  • Our highest variable savings account rates – The DCU Ltd Savings Account offers you rates comparable to our highest Money Market Account rates in exchange for reduced withdrawals. If you need more frequent access, the Money Market Account would be a better choice for you. If you don't need regular access, you should consider our Jumbo Certificates for even higher returns.
  • Unlimited deposits – Add to your account as often as you like for free.
  • No charge for first withdrawal per month – The withdrawal can be any amount of money removed from the account in the form of cash or a transfer of funds. The second and any subsequent withdrawals each month are $25 each.
  • $25,000 minimum to earn dividends – Dividends are paid from day of deposit to day of withdrawal compounded daily and paid monthly.
  • $0 to open
  • Free online, mobile, and branch access – You can access your account 24 hours a day using any DCU ATM, Online Banking, and Easy Touch Telephone Teller. You can access your account in any DCU branch and make deposits online anytime with a scanner or camera in your smart phone by Online Deposit.
  • Federally insured by NCUALearn more about insurance on all your savings at DCU and how to maximize your coverage.

Dividends are paid on entire balance for each day a $25,000 balance is maintained. Dividends are posted at the end of each calendar month. Paid dividends remaining in the account will earn dividends at the same rate and on the same terms. Dividends compound daily and are based on a 365-day year. Accrued dividends not yet posted will be forfeited if account is closed. The minimum balance required to maintain current status is $0.01. You can make a maximum of one no charge withdrawal from the account each calendar month. A fee of $25.00 will be automatically assessed for each additional withdrawal during the month.

Rates may change after the account is opened and are subject to change weekly. Refer to DCU's Truth-In-Savings Disclosure and Account Agreements and Schedule of Fees and Service Charges.

Please refer to Features and Rates tabs for more information.

Ltd Savings Accounts*

Minimum balance of $25,000 to earn dividends. No minimum to open. Unlimited deposits. One no charge withdrawal per month.

Balance Tiers Dividend Rate Annual Percentage Yield
When daily balance is $25,000 or more 1.00% 1.00%

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, Ltd 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.

Please refer to Features and Details tabs for more information.


Ltd Savings Account is rated 4.2 out of 5 by 109.
Rated 5 out of 5 by from outstanding product and customer service. Until going in yesterday, I wasn't even aware this higher interest opportunity was available. While at DCU for other banking needs, your member service rep named Martha L in the Littleton branch introduced me to the product and I immediately enrolled with it. She was very thorough in her product summary and description.
Date published: 2017-09-16
Rated 5 out of 5 by from Beats the competition Interest rate was significantly higher than my bank cd
Date published: 2017-09-09
Rated 5 out of 5 by from I can earn a little more interest with access to money I am happy with the account,, but cannot understand why I could not complete the process on line. Since we had to go right by a branch, we finished it there.
Date published: 2017-07-16
Rated 5 out of 5 by from LTD is the Best investment for long term savings I am very pleased that the LTD plan is available as an alternative to CDs. Also the entire team is always willing to assure customer satisfaction. This is a kudo to the Branch Manager for her leadership. It is always a pleasure to visit the Manchester Branch.
Date published: 2017-06-10
Rated 5 out of 5 by from Great savings option with some access I really enjoy that I can receive a higher interest rate in money I plan to use for a home but may need access to in a limited basis as life comes up. Perfect product for my current financial goals.
Date published: 2017-06-03
Rated 5 out of 5 by from Limited Saving Account is more beneficial than few other types of accounts I was not aware of this offering till Jaclyn@Hudson, NH branch made me aware. Thanks a lot for the help and it is very much appreciated.
Date published: 2017-05-13
Rated 5 out of 5 by from Sounds practical, flexible, safe, effective After meeting with DCU's financial advisor which was at no charge and was very pleasant experience, I opened a LTD account because it seemed to fit my needs perfectly. If I decide to take money out, there's one time a month with no penalty to do so. No risk and although these days interest rates are very low, it's better than the plain old savings bank or high risk investing. With the limited funds that I have I think this will be the safest and most flexible way to park any extra funds.
Date published: 2017-04-29
Rated 5 out of 5 by from Very good rate for those not interested in the market The older reviews on this product are not relevant and the dates of those reviews make them worthless. For someone looking to stay out of the market or other risk type investments this is a good product. The rate is very competitive and you do not have to tie up your money for long periods of time. If you can plan accordingly the one withdrawal per month does not pose a problem. Very good product to put extra cash into and stay liquid with little penalty.
Date published: 2017-04-26
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Time Commitment

Is there a time commitment required for this account? If I decide to move my full savings in 6 months, are there any penalties?
Asked by: Joe
There is not a minimum time commitment for the LTD account. However, only make one withdrawal during a month.
Answered by: Calc
Date published: 2014-05-31

can the LTD account be used for an IRA account?

Asked by: MJ
The LTD is a savings account. The Individual Retirement Arrangement (IRA) is a tax-classification for deposited funds. Once you have IRA-based funds; then you may use any regular banking vehicle. This means that you can use the IRA money in checking (over 59.5 years old), Certificates of Deposit, MoneyMarket, and LTD savings accounts. Yes, you may place your IRA classified funds into an LTD savings account.
Answered by: Calc
Date published: 2015-04-21

Is there a limit on once a month free withdrawal amount in LTD Savings account?

Asked by: Pink Floyd Fan
There is not a limit to the amount of money that can be withdrawn from the LTD Savings account (up to once time per month). However, you will NOT earn any interest when below the minimum investment balance (currently $25,000).
Answered by: Calc
Date published: 2014-05-31

With LTD savings.. I can withdraw without penalty every month if balance is more than 25K?

Asked by: K
One free withdrawal from an Ltd Savings is permitted each month. Additional withdrawals during the calendar month are $25 each. There are no penalties assessed if the balance falls below $25,000, however, the Ltd Savings only earns dividends when the balance is $25,000 or more.
Answered by: DCU Staff
Date published: 2014-09-20

Once you open an account at the opening rate how low has the interest rate dropped monthly to on average for the last year?

Asked by: Frederick
Other then the Primary Savings Account and LTD Savings Account Rates increasing, Our Savings Account Rates have not recently changed. They can change at anytime and you may view the current rate online at https://www.dcu.org/account-services/rates/deposit-rates.html
Answered by: DCU Staff
Date published: 2017-08-27
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"Opening account as simple as a click"

Open quote This account was easy to open and has good value for money. Close quote

—Prem, Wallingford, CT

Easy Ways To Open an Ltd Savings Account

  1. Open Online – Opening an Ltd Savings Account is fast and convenient! Follow the simple step-by-step instructions and open your account in minutes online.
  2. By Phone – Call 800.328.8797 or 508.263.6700, (select 3).
  3. Visit a DCU Branch – Visit a local branch and open a Ltd Savings Account. A Member Service Representative will assist you and be able to answer all your questions.

"Great savings option"

Open quote This has been a great savings tool. It's perfectly in-between a traditional share savings account and a certificate of deposit. Close quote

— Mona, Dallas, TX

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