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Personal and Business Banking


Primary Savings

Earn a high interest savings rate to build your savings faster



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Savings Account

Primary Savings Details

  • 5.12% APY* on first $1,000 encourages saving
  • Worldwide ATM Access
  • $5.00 minimum to open
  • Free online, mobile, and branch access
  • Can act as overdraft protection
  • Included with DCU membership
  • Federally insured by NCUA

Rates are effective .

*5.12% APY will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.25% will be paid on the remaining balance in your account that exceeds $1,000.00, which will create a blended rate made up of the 5.12% APY and 0.25% APY. For example, a balance of $1,500.00 would earn a blended rate of 3.50% APY. “Blended APY” shown assumes the amount entered is held in the account for one year. 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 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 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 Details and Rates tabs for additional information and important disclosures.

"Good Service, Best Rates"

Open quote I first found out about DCU from our Realtor/Loan officer. They told me that DCU is known for good service and the best rates available for line of credit & other products. I haven't been disappointed! Close quote

— Sam, Corona, CA

Primary Savings Details

  • High rate on first $1,000 encourages savings – We recommend you set aside 3 to 9 months of household spending as an emergency fund. The high rate we pay on the first $1,000 of your balance is a reward for getting started. On the rest of your balance, you'll earn rates typically higher than those paid by commercial banks on statement savings and passbook accounts. Daily dividends are compounded and paid monthly. There are no monthly fees.
  • Worldwide ATM access – Both your DCU Primary Savings account and your DCU Checking Account are accessible for withdrawals, inquiries, and sometimes deposits at virtually every non-DCU ATM.
  • $5.00 minimum 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.
  • Acts as overdraft protection on your DCU Checking – You can choose to have any overdrafts covered by your Savings Account provided there is sufficient balance and the Regulation D transfer limit has not been exceeded.*
  • Included with DCU membership – Your first $5.00 of balance signifies your ownership of DCU, a member-owned not-for-profit consumer cooperative. As long as you maintain at least $5.00 in this account, you'll be a DCU member. One Primary Savings account per person.
  • Federally insured by NCUALearn more about insurance on all your savings at DCU and how to maximize your coverage.

*A $5 fee is incurred for each overdraft protection occurance.

Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from day of deposit to day of withdrawal, compounded and paid monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on this account. 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.

Primary Savings*

Account / Minimum / Terms Dividend Rate Annual Percentage Yield
Primary Savings rate on first $1,000 - Minimum $5 balance 5.00% 5.12%**
Primary Savings rate on remaining balance 0.25% 0.25%

Rates are effective .

*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 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.

**5.12% APY will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.25% will be paid on the remaining balance in your account that exceeds $1,000.00, which will create a blended rate made up of the 5.12% APY and 0.25% APY. For example, a balance of $1,500.00 would earn a blended rate of 3.50% APY. “Blended APY” shown assumes the amount entered is held in the account for one year. Requires a $5.00 minimum balance to open the account and earn the APY.

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.


Primary Savings is rated 4.5 out of 5 by 554.
Rated 5 out of 5 by from Satisfaction I am very much impressed with DCU because of Gave me the chance to buy the car I needed. The several products are perfect to help me how to solve other financial problems
Date published: 2018-08-13
Rated 5 out of 5 by from excellent good service and good saving account interest rate
Date published: 2018-08-11
Rated 5 out of 5 by from Introduce the best rate ever Good services, no fees to open accounts, Good customer services , easy access to online banking easy transfers and Good ATM services fees refunded for using ATM services
Date published: 2018-08-11
Rated 5 out of 5 by from Min. balance requirement of $5 is great I like the way you keep the min. balance amount for savings account at $5 which is very low, flexible and great!
Date published: 2018-08-06
Rated 5 out of 5 by from DCU has great rates for all your needs Our family has been DCU members for approximately 40 years. DCU has great services and great features that satisfy all needs.
Date published: 2018-08-04
Rated 5 out of 5 by from Good service Encourage client to save. It come with great customer service.
Date published: 2018-07-28
Rated 5 out of 5 by from Saving Account great feathures My experience was quite satisfactory with DCU Bank.
Date published: 2018-07-21
Rated 5 out of 5 by from The Primary Savings Interest Rate brought me to DCU. Thank you! The Primary Savings Interest Rate brought me to DCU. Thank you! I have and will continue to let more individuals know how I met DCU. When I call in I have found Bonnie, Celeste, and Debra to be professional, friendly, and helpful. I am glad to be a member of DCU. I bank online or locally via MECU, one of your established, Share Bankers.
Date published: 2018-07-17
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Can direct deposit be set up for this type of savings account?

Asked by: Melissa
Yes, direct deposit can be set up for this type of savings account. I have it for my account.
Answered by: Aimee
Date published: 2016-07-18

what do you mean by first $750 in savings gets 5% interest?

what do you mean by first $750 in savings gets 5% interest? I now have $750 in savings, will that all get 5% interest or was it only if deposited when opened account?
Asked by: RG
At any time you reach $750.00 in saving.
Answered by: Daniels66
Date published: 2017-11-04

I need a password for a new account

Asked by: rodnick
Yes, once the new account application is submitted to login, check and track your application status there is a password you need to use. Once your account is open, you must use a password to secure your account
Answered by: Peter
Date published: 2018-03-31

What account is needed fr loan

I am applying for a refinace loan with DCU. I just learnt that I have to become a member too. what kind of account do I need to open? Checkings/Primary savings?
Asked by: Saumya
Not necessary. If you want more 0.5% discount on interest, you need to open an Checkings / Primary Savings account with Direct Deposit.
Answered by: Steve
Date published: 2015-06-27

DCU CARD

Thanks! I really found your answers very useful. How long will it take my dcu card to come in the mail and how soon can I make use of it? When can I activate my dcu online banking?
Asked by: nattie
It’s takes 7 to 10 business days to receive your card in the mail && soon as you get it activate your card && soon as you get your pin the mail that’s when you can use your online banking
Answered by: Jae
Date published: 2018-03-10
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"Simple, Fast and Easy"

Open quote Opening an account was very fast and easy. Accessing my account is simple with online access, and nearby branches and ATMS. And I love the $5 minimum balance. Close quote

— KP09 , Leominster, MA

Easy Ways To Open a Primary Savings

  1. Open Online – Opening a DCU Primary 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 Primary Savings account. A Member Service Representative will assist you and be able to answer all your questions.

"I love my new Savings Account!"

Open quote Easy to open, friendly service – I'm happy I made the switch to DCU! Close quote

— Jules, Bolton, MA

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