Faith Matters. Finances Matter.
Empower Your Financial Future With a DFCU Savings Account
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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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.
IRA Certificates
Fixed-rate IRA Certificates earning up to 4.25% APY (12-month)
IRA Savings
Flexible IRA Savings with deposits starting at $25
Tax Advantages
Tax advantages tailored to your retirement goals
Mission Savings Account
Designed specifically for missionaries, this account makes it easier to meet monthly cost goals while serving.
High APY
Earn 4.15% APY on balances up to $15,000
No Fees
No monthly fees; $5 minimum to open
ATM Reimbursements
Up to $25/month ATM fee reimbursements while serving
Automatic Transfers
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—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.
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.
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.
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.
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?
From retirement planning to mission prep to your child's first savings account, DFCU offers trusted options with great rates and zero monthly fees. Join more than 77,000 members already banking with purpose.