Platinum Savings

Elevate Your Savings With Platinum‑Level Returns

Your loyalty deserves more. With Platinum Savings, you’ll earn our highest liquid rates—up to 3.40% APY—while keeping full access to your funds whenever you need them. It’s the perfect blend of flexibility, security, and reward for dedicated DFCU members.

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Exclusive High‑Yield Savings for Dedicated Members

Platinum Savings is built to recognize your long-term commitment. Unlike traditional accounts, it delivers premium yields without locking your money away in a certificate.

Tiered rates up to 3.40% APY

On balances over $100,000

No withdrawal restrictions

Your funds remain liquid and available

Rates adjust with the market to stay competitive

Insured protection

Through FDIC and NCUA partner institutions

Unlock Premium Rates Through Membership Dedication

Platinum Savings is a benefit reserved for members who’ve demonstrated trust and consistency with DFCU. Eligibility is simple but meaningful—just the way membership should be.

To qualify, you’ll need at least one year of DFCU membership, a $10,000 average balance maintained over the past 12 months (or an active DFCU loan), and a $10,000 minimum opening deposit. Once opened, you’ll have seamless access to your funds through online, mobile, and in-branch banking.

Your loyalty opens the door to exclusive returns and priority-level savings treatment.

Rate Tiers & Benefits

Your savings grows as your balance does—progressive tiers ensure every dollar works harder.

1.20% APY

$2,500 to $19,999

2.10% APY

$20,000 to $99,999

2.80% APY

$100,000 to $249,999

4.05% APY

$1 million+

How It Works

The DFCU Platinum Savings Account gives you the best of both worlds: strong returns and complete liquidity. Your deposits are placed securely with FDIC-insured banks and NCUA-insured credit unions, while all account management remains directly through DFCU—your trusted financial partner.

Deposits may occasionally be limited based on program capacity, but your funds are always available for transfer into other DFCU products or for personal use. It’s a savings solution that grows with your needs while keeping your money close at hand.

Your Membership Has Earned Premium Treatment

By maintaining $10,000+ for a year or holding a DFCU loan, you’ve proven your commitment. Platinum Savings rewards that loyalty with our best liquid rates—no long-term commitments, no penalties, just higher earnings.

Become a Member Today

LDS Members and others are welcome to join us as members.

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Save More, Stress Less

Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.

APY = Annual Percentage Yield. Rates are tiered and subject to change.
Minimum opening deposit: $10,000.
One-year membership and $10,000 average balance (or qualifying loan) required.
Fees may reduce earnings.
Funds insured through FDIC partner banks and NCUA credit unions.
Access remains through DFCU digital and branch channels.