Credit union · NCUA insured
D.C. Teachers' Federal Credit Union Savings Rates
D.C. Teachers' Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How D.C. Teachers' Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where D.C. Teachers' Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
D.C. Teachers' Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $5
Share Savings Account
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
D.C. 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 D.C. 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.
Share Savings Account
0.05%APY
Requires $50 minimum initial deposit plus a $5 one-time membership fee. Must maintain at least $50 in regular shares (par value of one share) to maintain membership. Dividends calculated daily, compounded and paid quarterly. $2.00 monthly fee if regular share account falls below $50 par value.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.05% | $5 |
Sources (4)
- dctfcu.org/savings
- dctfcu.org/savings/share-savings
- dctfcu.org/schedule-of-fees
- dctfcu.org/savings/dividend-rates
All captured Sep 19, 2026
Special-purpose accounts
IRA Accounts (Regular Share Account)
0.05%APY
Available as Traditional or Roth IRA Regular Share Account (variable rate, no term commitment). Insured separately up to $250,000 by NCUA. Dividends calculated on daily balance, compounded and paid quarterly. Early withdrawal prior to age 59 1/2 incurs a $10 credit union fee plus possible IRS penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.05% | $5 |
Sources (4)
- dctfcu.org/savings
- dctfcu.org/savings/iras
- dctfcu.org/schedule-of-fees
- dctfcu.org/savings/dividend-rates
All captured Sep 19, 2026
Youth Share Savings Account
0.05%APY
For individuals under 18 years of age. No membership fee and $5 minimum initial deposit. Youth members have until age 18 to increase balance to $50 minimum balance requirement. Earns same dividends as Regular Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upYouth members have until age 18 to increase balance to $50 minimum requirement. Earns dividends the same as Regular Share Account.$50 and up | 0.05% | $5 | Youth members have until age 18 to increase balance to $50 minimum requirement. Earns dividends the same as Regular Share Account. |
Sources (3)
All captured Sep 19, 2026
Who can join D.C. Teachers' Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.