DATCU Savings & Money Market Rates

How DATCU’s savings rates compare

Compared with banks and credit unions near Dallas, TX, where DATCU has the most branches. $10,000, best rate first.

This credit union’s best
DATCU
1.50%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$150
Money Market
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

Savings score

Higher than 82% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.35%
$10,000 balance$10,0001.50%
$100,000 balance$100,0002.00%
QualifiedQualified1.50%

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.

How the score works →

Where DATCU 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 Market

1.50%APY$2,500 to open

Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market Draft and Share Savings Accounts is six (6) per account. Transactions made in person, by mail or at an ATM are not counted toward this limit.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.	1.50%	—	Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.
$10,000 – $24,999Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.	1.50%	$150	Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.
$25,000 – $49,999Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.	1.55%	—	Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.
$50,000 – $99,999Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.	1.80%	—	Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.
$100,000 and upMinimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.	2.00%	—	Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.

Sources (3)

All captured Oct 17, 2026

Savings Account

0.35%APY$5 to open

Minimum opening deposit of $5. Balances of $100 or more earn quarterly dividends. Compounded and credited quarterly. A $5.00 monthly maintenance fee applies if member has only one service, balance drops below $250 at any time during the month, and member is over age 25.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upA minimum average daily balance of $100 is required to earn a dividend. Dividends are compounded quarterly and credited quarterly. Monthly maintenance fee of $5.00 applies if balance is less than $250 anytime during the month, account has only one service, and owner is over 25 years old. $10 fee per item for exceeding 6 withdrawal limits per month.$100 and up	0.35%	$35	A minimum average daily balance of $100 is required to earn a dividend. Dividends are compounded quarterly and credited quarterly. Monthly maintenance fee of $5.00 applies if balance is less than $250 anytime during the month, account has only one service, and owner is over 25 years old. $10 fee per item for exceeding 6 withdrawal limits per month.

Sources (4)

All captured Sep 17, 2026

Special-purpose accounts

IRA Savings Account

0.35%APYIRARequirements apply$1,000 to open

Minimum deposit of $1,000 required to open, with an aggregated minimum average daily balance of $1,000 between all IRA Savings and IRA CD shares. Minimum average daily balance of $100 required to earn dividends. Available as Traditional IRA or Roth IRA wrappers.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRequires minimum opening deposit of $1,000 and aggregated minimum average daily balance of $1,000 across all IRA Savings and IRA CD shares. Minimum average daily balance of $100 maintained to earn dividends. Dividends compounded and credited quarterly.$100 and up	0.35%	$35	Requires minimum opening deposit of $1,000 and aggregated minimum average daily balance of $1,000 across all IRA Savings and IRA CD shares. Minimum average daily balance of $100 maintained to earn dividends. Dividends compounded and credited quarterly.

Sources (3)

All captured Sep 17, 2026

Who can join DATCU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to anyone living or working in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in Texas.

Military, government and schools

Membership is open to students and alumni of Texas Women's University.
Membership is open to students and alumni of the University of North Texas.

Family and household

Membership is open to family members of current DATCU members, including parents, children, spouses, siblings, grandparents, grandchildren, stepparents, stepchildren, or stepsiblings.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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