Empower Your Financial Future With a DFCU Savings Account
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.
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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.
Mission Savings Account
Designed specifically for missionaries, this account makes it easier to meet monthly cost goals while serving.
Flexibility Meets Strong Returns
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—offering tiered dividends up to 3.00% APY on balances above $50,000.
You’ll enjoy full liquidity with no withdrawal penalties, the ability to write up to six checks per month, and mobile-friendly management that makes saving effortless.
*Tiered dividends on balances above $50,000
3.00% APY*
Savings
Platinum Savings
Your long-term relationship with DFCU deserves recognition. The Platinum Savings Account rewards loyalty with our highest savings rates—up to 3.40% APY on balances of $100,000 or more.
Maintain at least one year of membership or hold a qualifying DFCU loan to unlock these exclusive yields. With unlimited deposits, withdrawals, and optional nightly sweeps from checking, this account combines premium performance with total convenience.
The Foundation of Every Membership
Regular Savings Account
Your DFCU membership starts here. A Regular Savings Account gives you access to our full suite of products and services with just a $5 opening deposit. Earn quarterly 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—and your financial journey—on solid ground.
Guaranteed Growth, Flexible Terms
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 and earn up to 4.25% APY on select terms.
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.
Teaching Smart Habits Early
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. When your child turns 18, the account automatically transitions to Student Checking—no paperwork required.
One Account, Many Purposes—Which Will You Open First?
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
View High-Yield Savings Accounts
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
- APY = Annual Percentage Yield. Rates effective as of today and subject to change.
- Early-withdrawal penalties apply to certificates.
- Mission Savings ATM reimbursements require active missionary status.
- Membership and eligibility required. Federally insured by NCUA.