Money Market Accounts
Maximize Returns Without Sacrificing Access
Money Market Accounts let you earn like a long-term saver while spending like a checking customer. With rates up to 3.85% APY, you’ll grow your balance without locking funds away—keeping money available for emergencies, opportunities, or everyday needs.
Premium Yields Meet Everyday Flexibility
You shouldn't have to choose between earning more and staying flexible. With a DFCU Money Market Account, your balance works harder while remaining completely accessible.
Earn tiered dividends up to 3.85% APY, with no term restrictions and no withdrawal penalties. You can make unlimited deposits and withdrawals, and even enjoy check-writing privileges for added convenience. It's a smart, simple way to keep your savings both growing and within reach.
Progressive Rate Tiers
The more you save, the more you earn. Each tier unlocks a stronger rate, giving you a clear path to higher returns.
1.10% APY
$2,500 to $19,999
2.00% APY
$20,000 to $99,999
2.60% APY
$100,000 to $249,999
3.85% APY
$1 million+
Account Benefits
Your savings deserve both stability and convenience. A DFCU Money Market Account delivers on both fronts—helping your money grow safely while staying easy to manage.
Every account is federally insured by the NCUA up to $250,000, giving you peace of mind that your funds are protected. Enjoy 24/7 access through online and mobile banking, seamless transfers between DFCU accounts, and loyalty rate bonuses available for qualifying members.It's reliable, rewarding, and designed for everyday life.
Perfect for Your Goals
No matter where you are in life, a Money Market Account can help you make the most of your savings. It’s ideal for building an emergency fund, setting aside money for a down payment, maintaining business reserves, or temporarily staging funds between investments.
With flexible access and strong returns, you can reach your goals faster—without sacrificing security or convenience.
Get Started
Strength and Flexibility—The DFCU Difference
With balances starting at just $2,500, you can earn premium yields without giving up control. Join members who’ve discovered that higher returns don’t require complicated terms—just a smarter account.
Share Certificates
Share Certificates
Got money you can leave alone for a while? A share certificate can offer greater interest rates.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APY = Annual Percentage Yield. Initial deposit of $2,500 required. No minimum balance after opening. Rates are tiered and subject to change. Loyalty rates available for qualifying members. Membership and eligibility required. Federally insured by NCUA up to $250,000.