Credit union · NCUA insured
DC Credit Union Savings Rates
Top CarrotDC Credit Union’s best savings rate is 2.12% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How DC Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where DC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
DC Credit Union
2.12%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $212
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
DC Credit Union savings score
89
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.12%
- $100,000 balance$100,0002.12%
- QualifiedQualified2.12%
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 DC 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 Market
Up to 2.12%APY
Combines easy access to funds with earning higher dividends. Offers two balance tiers ($2,500 minimum balance or $10,000 minimum balance).
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 and upRates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal. · $2,500 to open | 2.02% | $2,500 | $202 | Rates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal. |
| $10,000 and upRates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal. · $10,000 to open | 2.12% | $10,000 | $212 | Rates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal. |
Regular Share
0.05%APY
$5 initial deposit becomes your share in the credit union. Inactive account fee of $5 if no activity in 12 consecutive months; low balance fee of $2/month if below $5.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
- dccreditunion.coop/faq/i-only-…en-a-savings-account-too
- dccreditunion.coop/personal/savings
- dccreditunion.coop/rates
All captured Sep 19, 2026
Secondary Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.01% | $1 |
Sources (1)
- dccreditunion.coop/rates · captured Sep 19, 2026
SAFE Savings Account
0.00%APY
For individuals without an SSN or Tax ID number. Foreign ID accepted at ACCESO branch. No dividends or interest earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo dividends are earned and accounts do not earn interest.Any balance | 0.00% | $0 | No dividends are earned and accounts do not earn interest. |
Sources (1)
- dccreditunion.coop/safe-accounts · captured Sep 19, 2026
Special-purpose accounts
Educational IRA
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.50% | $50 |
Sources (1)
- dccreditunion.coop/rates · captured Sep 19, 2026
Holiday Club
0.50%APY
Structured to encourage as few withdrawals as possible. Minimum balance to avoid fees listed as $0 in overview prose.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.50% | $50 |
Sources (3)
- dccreditunion.coop/faq/can-i-w…-savings-whenever-i-wish
- dccreditunion.coop/personal/savings
- dccreditunion.coop/rates
All captured Sep 19, 2026
Roth IRA
0.50%APY
No administrative or maintenance service charges. Early withdrawal penalty may apply before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.50% | $50 |
Traditional IRA
0.50%APY
No administrative or maintenance service charges. Early withdrawal penalty may apply before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.50% | $50 |
Vacation Club
0.50%APY
Structured to encourage as few withdrawals as possible. Minimum balance to avoid fees listed as $0 in overview prose.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.50% | $50 |
Sources (3)
- dccreditunion.coop/faq/can-i-w…-savings-whenever-i-wish
- dccreditunion.coop/personal/savings
- dccreditunion.coop/rates
All captured Sep 19, 2026
Youth Savings Account
0.20%APY
For youth. No monthly or usage fees. Custodial/joint options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.20% | $20 |
Sources (2)
All captured Sep 19, 2026
Who can join DC Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.