Personal Savings Accounts

Earn a competitive interest rate and enjoy immediate access to your funds with the DFCU FInancial tiered Personal Money Market account. It's flexible and offers a variety of advantages.

• Minimum to open: $2,500
• With minimum daily balance of $2,500 - No maintenance fee
• $14.00 maintenance fee per statement cycle, if applicable
• Imaged statements
• 6 covered withdrawals allowed during a statement cycle, per Federal Regulations
• Additional withdrawals $5.00 each
• Below are the interest rates tiers based on daily balances:

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account, which applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $2,500 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days which the balance falls below $2,500. Additional charges may reduce APY earnings.

For longer term investments with higher yield, DFCU Financial offers a variety of Share Certificates. Interest rates vary according to term. Interest is paid monthly and may be reinvested or deposited to another account - it's your choice! Share Certificates are subject to a penalty for early withdrawal.

• Minimum to open: $1,000
• Terms range from three (3) months to sixty (60) months
• Automatic certificate renewal available

Set aside money for retirement with a DFCU Financial IRA share certificate. DFCU Financial offers Traditional and Roth IRA's.

Traditional IRA

• $1,000 minimum balance to open
• Choose your term – from 3 months to 60 months
• Automatic certificate renewals available
• No income limits to open
• No minimum contribution in any year
• Contributions are tax deductible on state and federal income taxes*
• Earnings are tax deferred until withdrawal
• Withdrawals can begin at age 59½
• Early withdrawals subject to penalty**
• Mandatory withdrawals at age 72

Roth IRA

• $1,000 minimum balance to open
• Choose your term – from 3 months to 60 months
• Automatic certificate renewals available
• Income limits to be eligible to open Roth IRA
• Contributions are NOT tax deductible
• Earnings are 100% tax-free at withdrawal*
• Principal contributions can be withdrawn without penalty*
• Withdrawals on interest can begin at age 59½
• Early withdrawals on interest subject to penalty**
• No mandatory distribution age
• No age limit on making contributions as long as you have earned income