Credit union · NCUA insured
DCU Savings Rates
DCU’s best savings rate is 3.00% APY on $10,000, with its Advantage Savings. Rates checked October 25, 2026.
How DCU’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
DCU
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Advantage Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
DCU savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.13%
- QualifiedQualified3.00%
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 DCU 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 Savings
1.71%APY
Membership required. $1,000 minimum balance to earn dividends. Tiers based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Tiers based on daily balances. Variable rate. | 1.71% | — | Tiers based on daily balances. Variable rate. |
| $10,000 – $25,000Tiers based on daily balances. Variable rate. | 1.71% | $171 | Tiers based on daily balances. Variable rate. |
| $25,000 – $50,000Tiers based on daily balances. Variable rate. | 1.77% | — | Tiers based on daily balances. Variable rate. |
| $50,000 – $100,000Tiers based on daily balances. Variable rate. | 1.77% | — | Tiers based on daily balances. Variable rate. |
| $100,000 – $250,000Tiers based on daily balances. Variable rate. | 3.13% | — | Tiers based on daily balances. Variable rate. |
| $250,000 – $500,000Tiers based on daily balances. Variable rate. | 3.25% | — | Tiers based on daily balances. Variable rate. |
| $500,000 and upTiers based on daily balances. Variable rate. | 3.50% | — | Tiers based on daily balances. Variable rate. |
Sources (3)
- dcu.org/bank/savings.html
- dcu.org/bank/savings/money-market.html
- dcu.org/content/dam/dcu/pdfs/D…rate-sheet-printable.pdf
All captured Oct 25, 2026
Advantage Savings
3.00%APY
Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.00% | $300 |
Sources (3)
- dcu.org/about/rates.html
- dcu.org/bank/savings/advantage-savings-account.html
- dcu.org/content/dam/dcu/pdfs/D…rate-sheet-printable.pdf
All captured Oct 25, 2026
Legacy Smart Savings
1.51%APY
Federally insured up to $3 million.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.51% | $151 |
Sources (1)
- dcu.org/about/rates.html · captured Oct 25, 2026
Primary Savings
0.55%APY on $10,000
Requires a $5.00 minimum balance to open and maintain membership status. One Primary Savings account per person and business.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.89% |
| Any balance | 0.05% |
On $10,000 the tiers blend to about 0.55% APY, earning $55 a year.
Sources (3)
- dcu.org/about/rates.html
- dcu.org/bank/savings/primary-savings.html
- dcu.org/content/dam/dcu/pdfs/D…rate-sheet-printable.pdf
All captured Oct 25, 2026
Legacy Member Described Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100+ daily balance to earn dividends.$100 and up | 0.15% | $15 | Requires $100+ daily balance to earn dividends. |
Sources (1)
- dcu.org/about/rates.html · captured Oct 25, 2026
Special-purpose accounts
Money Market IRA
1.71%APY
Membership required. $1,000 minimum balance to earn dividends. May be used for Traditional, Roth, SEP, and SIMPLE accounts. Subject to IRS rules and regulations.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Rates are variable and may change after the account is opened and are subject to change weekly. | 1.71% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $10,000 – $25,000Rates are variable and may change after the account is opened and are subject to change weekly. | 1.71% | $171 | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $25,000 – $50,000Rates are variable and may change after the account is opened and are subject to change weekly. | 1.77% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $50,000 – $100,000Rates are variable and may change after the account is opened and are subject to change weekly. | 1.77% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $100,000 – $250,000Rates are variable and may change after the account is opened and are subject to change weekly. | 3.13% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $250,000 – $500,000Rates are variable and may change after the account is opened and are subject to change weekly. | 3.25% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
| $500,000 and upRates are variable and may change after the account is opened and are subject to change weekly. | 3.50% | — | Rates are variable and may change after the account is opened and are subject to change weekly. |
Sources (3)
- dcu.org/bank/retirement.html
- dcu.org/bank/retirement/ira-money-market.html
- dcu.org/content/dam/dcu/pdfs/D…rate-sheet-printable.pdf
All captured Oct 25, 2026
Savings IRA
0.20%APY
May be used for Traditional, Roth, SEP, and SIMPLE accounts. Transactions are subject to IRS rules and regulations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join DCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.