Credit union · NCUA insured
Dade County Federal Credit Union Savings Rates
Dade County Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Management. Rates checked October 15, 2026.
How Dade County Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Dade County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dade County Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $45
Money Management
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Dade County Federal Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Dade County Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management
0.45%APY
Minimum of $2,500.00 required to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 0.40% | — |
| $5,000 – $50,000 | 0.45% | $45 |
| $50,000 – $100,000 | 0.65% | — |
| $100,000 – $250,000 | 0.95% | — |
| $250,000 and up | 1.06% | — |
Sources (1)
- dcfcu.org/accounts/account-rates · captured Sep 18, 2026
Share Savings
0.10%APY
Individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County are eligible. Primary membership account. Dividends compounded and credited quarterly. Maintain an average daily balance of $100 to earn dividends. A $25 closing fee applies if closed within the first 180 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Maintain an average daily balance of $100 to earn dividends. | 0.05% | — | Maintain an average daily balance of $100 to earn dividends. |
| $500 – $5,000 | 0.05% | — | |
| $5,000 – $50,000 | 0.10% | $10 | |
| $50,000 and up | 0.15% | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Holiday Club Account
0.10%APY
Balance automatically transfers to Share Savings on October 1. Funds available Oct. 1 – Nov. 30 without penalty. Account continues annually until closed. Club accounts carry a $25 closing fee if the member closes the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (2)
All captured Sep 18, 2026
IRA Shares
0.10%APY
Like a savings account within your retirement plan with variable dividend rate. Move money in and out subject to IRS rules.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (2)
All captured Sep 18, 2026
Vacation Club Account
0.10%APY
Balance automatically transfers to Share Savings on April 1. Funds available Apr. 1 – May 31 without penalty. Account continues annually until closed. Club accounts carry a $25 closing fee if member closes the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (2)
All captured Sep 18, 2026
W.I.N. / W.I.N. Club
0.10%APY
Flexible savings account (Whatever I Need / Whenever I Need). Funds available anytime with voluntary withdrawals. Account continues until closed. Club accounts carry a $25 closing fee if member closes the account. Offers overdraft protection for purchases made from checking account for a $2 fee per instance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (2)
All captured Sep 18, 2026
Who can join Dade County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.