Faith Matters. Finances Matter.
Maximize Returns Without Sacrificing Access
Faith Matters. Finances Matter.
At Deseret First Credit Union you never have to choose between them.
At Deseret First Credit Union you never have to choose between them.
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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 4.05% 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.
Tier 1
1.20% APY — $2,500 to $19,999
Tier 2
2.10% APY — $20,000 to $99,999
Tier 3
2.80% APY — $100,000 to $249,999
Tier 4
4.05% APY — $1 million+
Every dollar earns dividends once your account is open.
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.
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.