Checking and Savings Accounts

As a DCU member, you could get 6.17% APY¹ on your first $1,000, a truly free checking account, and more.

Primary Savings

Watch your savings grow at a rate that’s higher than the national average³.

WalletHub’s best free high-yield savings account – earn 6.17% APY¹ on balances up to $1,000.
$5 minimum deposit to open – after that, you’ll start earning immediately.

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Free Checking

Activate Earn More and watch your money start working for you.

Get your paycheck up to two days early – with a recurring direct deposit of your paycheck, retirement, Social Security, or other recurring monthly income.
Up to $300 per year in ATM fee reimbursements⁴ – with a recurring direct deposit of at least $500 of income per calendar month with at least 5 qualifying transactions per month.

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Advantage Savings

Get the most out of your savings with a faster way to grow your money.

Earn 3.56% APY² – higher than the national average³ for savings accounts.
No minimum balance to open – plus, you’ll start earning on any balance.

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Benefits of a DCU Membership

Learn more about our commitment to help members achieve financial wellness.

Membership Eligibility

1. Eligibility by Family Relationship to a Current DCU Member

Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).

2. Eligibility by Company You Work for or Retired From

You currently work for or retired from a company in our list of participating employers.

You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.

3. Eligibility by Organization You Belong To

You currently belong to or join an organization whose members we serve.

You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.

4. Eligibility by Community

You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.

You’re an owner, not a number.

DCU is a not-for-profit, member-owned credit union that puts you first. And unlike banks, we don’t answer to the needs of stockholders.

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Community Involvement

DCU takes pride in sponsoring and participating in charitable, educational, and other community events – from providing college scholarships to supporting local non-profits.

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Better rates and lower fees.

As a credit union, DCU returns its profits to members by keeping fees to a minimum, loan rates low, and offering higher-than-average interest rates on savings.

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Financial Education

From childhood through adulthood, DCU has the tools and resources members need to better manage their finances.

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Primary Savings Rates

Primary Savings

Minimum Daily Balance to earn	Dividend Rate	APY¹
On remaining balance	0.05%	6.17% - 0.05%
Up to and including the first $1,000.00	6.00%	6.17%

Rates are effective

¹APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. 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. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , for important information and disclosures.

Advantage Savings Rates

Advantage Savings

Minimum Daily Balance to Earn	Dividend Rate	APY²
No minimum	3.50%	3.56%

Rates are effective

²APY = 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.

³The national average annual percentage yield (“APY”) for savings accounts is updated monthly, please refer to the Federal Deposit Insurance Corporation.

⁴How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions each month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that post and clear your account within the same calendar month). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits. DCU will reimburse up to $25 a month in ATM fees charged by other institutions for use of their ATM (also known as ‘surcharges’).

⁵FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. DCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. DCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.

⁶Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google Inc. Samsung, and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

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Checking and Savings Accounts

Primary Savings

Free Checking

Advantage Savings

By the Numbers

No minimum balances or monthly maintenance fees.

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Digital Banking

DCU Mobile App

Mobile Wallet

STEP 1

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Benefits of a DCU Membership

Membership Eligibility

You’re an owner, not a number.

Community Involvement

Better rates and lower fees.

Financial Education

How to Set Financial Goals and Achieve Them

How to Open a Bank Account

High-Yield Checking vs. High-Yield Savings

The Credit Union Advantage

Digital Tools and Tips to Simplify Saving

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Monthly FICO^® Score⁵