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Personal and Business Banking

DCU Primary Savings Accounts

Primary Savings

Kickstart your savings by taking advantage
of this fantastic interest rate.

DCU Primary Savings




On the first $1,000

At DCU, we’re committed to helping our Members save money. That’s why we designed our Primary Savings account to encourage our Members to save money by paying 5.12% APY on balances up to $1,000.

There’s no catch, no monthly fee, and nothing else to open.

Just deposit and earn.

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See how DCU Primary Savings stacks up:

  DCU Primary Savings Bank of America TD Bank Citizens Bank
Interest Rate 5.12



on the first $1,000

0.03% APY

up to $2,500

0.05% APY 0.01% APY
Minimum Balance $5 $500 $300 $299
Withdrawal Limit - 6

per statement cycle

- 6

per statement cycle

Savings Overdraft Transfer Fee $5 $12 $10 $12
Monthly Maintenance Fee - $8 $5 $4.99

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 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. Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.

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.

DCU Members rated DCU Primary Savings 4.5 out of 5 stars 4.5 out of 5 stars filled

What our Members are saying...

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    Great Interest Rate on the First $500

    Thank you for a great starter interest rate to motivate me to save more. We as a nation really need higher interest rates on savings much more than lower interest on borrowing money to buy things. People need to save more. Kudos to DCU for offering great savings interest!

    ~ KK10
    Framingham, MA

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    I've been a member since I was 12 yrs old. The excellent level of service, customer support and value has kept me as a member for a long time. This is what a financial institution should be! Cooperative and understanding of the people's needs and delivering on their promise to be there for us. Thank you DCU for always making me feel like a neighbor and a friend.

    ~ Woods
    Marlborough, MA

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    Great features!

    This is my first time joining DCU and I had a great experience. The customer service representative was very friendly and extremely helpful, answering every question that I had. I was very impressed on how fast and simple it was to open a savings account, and at the great features this credit union offers.

    ~ Chris
    Lowell, MA

Previous videos Next videos
Primary Savings is rated 4.5 out of 5 by 571.
Rated 5 out of 5 by from Great interest rate! Hard to beat the interest rate (on balances up to $1000).
Date published: 2018-10-13
Rated 5 out of 5 by from great experience excellent work workers were prepared and skilled for the job everyone worked well together.
Date published: 2018-09-28
Rated 5 out of 5 by from Great Service Great account with a very reasonable minimum. DCU has a small family and small community feel so i dont feel like i will be forgotten about.
Date published: 2018-09-10
Rated 5 out of 5 by from Love DCU Never been sorry for switching from my other CU, & @ least I earn interest on my savings.
Date published: 2018-09-08
Rated 5 out of 5 by from Service as good as the savings account rates! I researched credit unions locally and online, and DCU had the best rates for a primary savings account--far better than the two credit unions to which I already belong. There were some tech hiccups with my online application, but the member services reps stayed right with me on the phone until my application was completed, and my account was open. In just a few months, I've earned more on my DCU primary savings account than I have in years on other savings accounts. I can make deposits and withdrawals easily at local CUs or ATMs. So glad I found DCU, and I'll be checking out their other financial products.
Date published: 2018-08-28
Rated 5 out of 5 by from So simple, convenient and easily accessible Thank you, thank you for being a bank that does their job through and through! So helpful, knowledgeable, timely and just wonderful! So refreshing!!!!
Date published: 2018-08-20
Rated 5 out of 5 by from The best service in my experience.... I have been holding a DCU savings account for the last couple of years and can vouch for the service as the best in line with a decent rate of interest. I would certainly recommend this product.
Date published: 2018-08-20
Rated 5 out of 5 by from Excellent Wish there were more availability to move money around more that 6 times a month
Date published: 2018-08-20
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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


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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