Savings Rates

Savings & Checking Rates as of December 1, 2022.

Rates below are current AS OF the date posted above and are subject to change without notice. Applicable fees could reduce earnings on the account.

*APY (Annual Percentage Yield)

Choice Share Savings
Minimum $ 25.00 to open account. Minimum $ 25.00 average daily balance to earn dividends.
Avg Daily Balance Dividend Rate APY*
$25.00 0.10% 0.10%
Young Saver Choice Share Account
Kids-only savings account, specially designed for members under the age of 12. Minimum $ 25.00 to open account. Minimum $ 25.00 average daily balance to earn dividends.
Avg Daily Balance Dividend Rate APY*
$25.00 0.10% 0.10%
Holiday, Auto & Vacation Club Accounts
Structured savings accounts for special events. Minimum $ 25.00 to open account. Minimum $ 25.00 average daily balance to earn dividends.
Avg Daily Balance Dividend Rate APY*
$25.00 0.10% 0.10%
Tiered Money Market Savings
Withdrawals limited to 4 per month. For higher balances this variable rate savings option pays dividends compounded and paid monthly, when you maintain an average daily balance of $ 2000.00 or more. If your average daily balance falls below $ 2000.00, the dividend rate will be the same as the Choice Share rate for the same period. Withdrawals limited to 4 per month.
Avg Daily Balance Dividend Rate APY*
$2,000 - $9,999.99 0.30% 0.30%
$10,000 - $24,999.99 0.40% 0.40%
$25,000 & Up 0.50% 0.50%
Basic Banking Savings
Minimum $ 25.00 to open account. Minimum 0.01 (1 cent) average daily balance to earn dividends.
Avg Daily Balance Dividend Rate APY*
0.01 (1 cent) 0.10% 0.10%

Certificate Rates as of December 1, 2022.

Please Note: Rates below are current  AS OF the date posted above and are subject to change without notice. Contact our Member Service Center at 800-593-5920 to verify thereafter. A penalty may be imposed for early withdrawal (equivalent of up to 90 days loss of dividends) on Share or IRA Certificate accounts.

*APY (Annual Percentage Yield)

Share Certificate Accounts
Share IRA Savings Account Min Bal To Open Dividend Rate APY*
12 Month STEP-UP Share Certificate
Option to change rate one time during the term in the event that rate increases. Member must contact DCCU to take advantage of step-up option.
$500.00 0.70% 0.70%
 
24 Month Add On Certificate
24 month structured savings, additional deposits of up to $ 10,000 maximum per year.
$500.00 1.00% 1.01%
 
06 Month Share Certificate $500.00 1.00% 1.00%
12 Month Share Certificate $500.00 1.50% 1.51%
18 Month Share Certificate $500.00 2.00% 2.02%
24 Month Share Certificate $500.00 3.00% 3.04%
36 Month Share Certificate $500.00 2.75% 2.78%
48 Month Share Certificate $500.00 2.75% 2.78%
60 Month Share Certificate $500.00 2.75% 2.78%
Individual Retirement Accounts (Traditional, Roth & Educational IRA Certificates)
Term Min Bal To Open Dividend Rate APY*
Tax-Free Roth & Education IRA Savings
Minimum $ 25.00 average daily balance to earn dividends.
$25.00 0.10% 0.10%
 
Term Min Bal To Open Dividend Rate APY*
12 Month IRA Certificate $500.00 1.50% 1.51%
18 Month IRA Certificate $500.00 2.00% 2.02%
24 Month IRA Certificate $500.00 3.00% 3.04%
36 Month IRA Certificate $500.00 2.75% 2.78%
48 Month IRA Certificate $500.00 2.75% 2.78%
60 Month IRA Certificate $500.00 2.75% 2.78%