Savings Accounts
Empower Your Financial Future
Savings isn’t one-size-fits-all. Whether you’re planning for retirement, preparing for a mission, or simply setting aside for a rainy day, DFCU offers tailored accounts with competitive yields and zero monthly fees. Each option is backed by member-first service and values you can trust.
Membership Savings Account
Your DFCU membership starts here. A Membership Savings Account gives you access to our full suite of products and services with just a $5 opening deposit. Earn dividends on every balance, transfer funds online at any time, and link your savings for overdraft protection.
It's the simple, reliable savings option that starts your membership on solid ground. After you open a Membership Savings Account, you can then open an unlimited number of other accounts (we call them Special Savings Accounts) for things like goals, budgeting, or vacations.
Youth Cents Savings Account
Financial confidence starts young. With Youth Cents Savings, kids and teens learn to save intentionally while parents stay involved every step of the way.
Open with just $5, pay no monthly fees, and enjoy goal trackers, milestone rewards, and joint oversight for peace of mind.
Mission Savings Account
Designed specifically for missionaries, this account makes it easier to meet monthly cost goals while serving.
Earn up to 4.00% APY*
on balances up to $15,000
No monthly fees
No monthly fees; $5 minimum to open
Automatic transfer tools
Automatic transfer tools for family contributions
Money Market Account
For members seeking both access and growth, the DFCU Money Market Account delivers. It’s ideal for building an emergency fund or setting aside funds for upcoming goals.
You’ll enjoy full liquidity with no withdrawal penalties and mobile-friendly management that makes saving effortless.
Share Certificates
When stability and predictability matter most, DFCU Share Certificates deliver fixed, above-market returns with flexible term options. Choose durations from 3 to 60 months.
Open with as little as $500, and decide whether to compound dividends or transfer them monthly into your checking account. It’s steady, guaranteed growth—no guessing, no risk.
Individual Retirement Accounts (IRAs)
Retirement security starts with the right account. Choose from Traditional or Roth IRAs, plus IRA Share Certificates, and let compounding work in your favor.
Fixed-rate IRA Certificates earning up to 3.95% APY* (12-month)
Flexible IRA Savings with deposits
Tax advantages tailored to your retirement goals
One Account, Many Purposes—Which Will You Open First?
From retirement planning to mission prep to your child’s first savings account, DFCU offers trusted options with great rates and zero monthly fees.
Become a Member Today
Become a Member Today
Church members and immediate family members can join the credit union.
*APY = Annual Percentage Yield. Rates effective as of today and subject to change. Early-withdrawal penalties apply to certificates. Membership and eligibility required. Federally insured by NCUA.