Credit union · NCUA insured
Daviess County Teachers Federal Credit Union Savings Rates
Daviess County Teachers Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Shares / Regular Share Savings. Rates checked October 22, 2026.
How Daviess County Teachers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Owensboro, KY, where Daviess County Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Daviess County Teachers Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Shares / Regular Share Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Liberty FCU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Daviess County Teachers Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Daviess County Teachers 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.
Shares / Regular Share Savings
0.05%APY
Membership requires purchasing a $5.00 share (par value $5.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
- dctfcu.com/rates-fees
- dctfcu.com/services/savings-cds
- dctfcu.com/wp-content/uploads/…-Account-Disclosures.pdf
All captured Sep 19, 2026
Special-purpose accounts
Coverdell Education Savings (ESA)
1.00%APY
Variable rate. Dividends paid quarterly. Deposit up to $2,000 per year for each child under 18. Tax-free withdrawals for qualifying educational expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate.Any balance | 1.00% | $100 | Variable rate. |
Sources (2)
All captured Sep 19, 2026
Christmas Club Accounts / Special Savings
Up to 0.30%APY
Can be opened with no minimum balance. Funds in Christmas Club are free to access October through December; a $5.00 fee is assessed if accessed before October (January 1 – September 30).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInvestments tier rate.Any balance | 0.30% | $30 | Investments tier rate. |
| Any balanceShares/Savings tier rate.Any balance | 0.03% | $3 | Shares/Savings tier rate. |
Who can join Daviess County Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All employees or volunteers of Mid-America Jet are eligible for membership.
- All employees or volunteers of Owensboro-Daviess County Retired Teachers Association are eligible for membership.
Military, government and schools
- All employees or volunteers of Daviess County Public Schools are eligible for membership.
- All employees or volunteers of Heritage Christian School are eligible for membership.
- All students, employees, or volunteers of Owensboro Community & Technical College (all campuses) are eligible for membership.
Family and household
- Family and household members of individuals meeting membership eligibility criteria are eligible to join.
3 more ways to join
Family and household
- All immediate family or household members of any existing DCTFCU member are eligible for membership.
Other ways
- Persons retired as pensioners or annuitants from the qualifying employers are eligible for membership.
- All spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Membership information collected October 4, 2026.