Credit union · NCUA insured
DFCU Financial Savings Rates
DFCU Financial’s best savings rate is 0.02% APY on $10,000, with its Insured Money Market Account. Rates checked October 16, 2026.
How DFCU Financial’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where DFCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
DFCU Financial
0.02%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $2
Premier Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
DFCU Financial savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0002.85%
- QualifiedQualified0.02%
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 DFCU Financial 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.
Premier Money Market
0.02%APY
Membership eligibility applies (live, work, worship, or attend school in Michigan's Lower Peninsula or a 14-county region around Tampa Bay, Central, and SW Florida). Dividends paid and compounded monthly. Premier IMMAs are excluded from Cash Back balance calculations.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends paid and compounded monthly. | 0.02% | $2 | Dividends paid and compounded monthly. |
| Up to $2,499Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 0.02% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $2,500 – $24,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 0.02% | $2 | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $25,000 – $49,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 0.02% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $50,000 – $99,999Dividends paid and compounded monthly. | 1.50% | — | Dividends paid and compounded monthly. |
| $50,000 – $99,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 1.50% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $100,000 – $249,999Dividends paid and compounded monthly. | 2.85% | — | Dividends paid and compounded monthly. |
| $100,000 – $249,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 2.85% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $250,000 – $499,999Dividends paid and compounded monthly. | 3.15% | — | Dividends paid and compounded monthly. |
| $250,000 – $499,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 3.15% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $500,000 – $999,999Dividends paid and compounded monthly. | 3.25% | — | Dividends paid and compounded monthly. |
| $500,000 – $999,999Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 3.25% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
| $1,000,000 and upDividends paid and compounded monthly. | 3.70% | — | Dividends paid and compounded monthly. |
| $1,000,000 and upPaid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. | 3.70% | — | Paid and compounded monthly. Premier IMMAs excluded from Cash Back balance calculations. |
Sources (3)
- dfcufinancial.com/personal/Che…gs/Money-Market-Accounts
- dfcufinancial.com/Rates
- dfcufinancial.com/getmedia/bc7…vings-Rate-Sheet-pdf.pdf
All captured Oct 5, 2026
Insured Money Market Account
0.02%APY
Membership eligibility applies (live, work, worship, or attend school in Michigan's Lower Peninsula or a 14-county region around Tampa Bay, Central, and SW Florida). $2,500 minimum required to open. Dividends paid and compounded monthly. Deposit account balance may increase Cash Back.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.02% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| Up to $2,499Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.02% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $2,500 – $24,999Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.02% | $2 | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $2,500 – $24,999Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.02% | $2 | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $25,000 – $49,999Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.02% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $25,000 – $49,999Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.02% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $50,000 – $99,999Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.02% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $50,000 – $99,999Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.02% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $100,000 – $249,999Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.05% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $100,000 – $249,999Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.05% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $250,000 – $499,999Dividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.10% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $250,000 – $499,999Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.10% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
| $500,000 and upDividends paid and compounded monthly. $2,500 minimum balance required to open. | 0.15% | — | Dividends paid and compounded monthly. $2,500 minimum balance required to open. |
| $500,000 and upPaid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. | 0.15% | — | Paid and compounded monthly. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase Cash Back. |
Sources (3)
- dfcufinancial.com/personal/Che…gs/Money-Market-Accounts
- dfcufinancial.com/Rates
- dfcufinancial.com/getmedia/bc7…vings-Rate-Sheet-pdf.pdf
All captured Oct 5, 2026
Savings
0.02%APY
Must live, work, worship or attend school in Michigan's Lower Peninsula to be eligible for membership. Dividends are paid and compounded monthly. Must maintain an aggregate minimum average daily balance of $200 to avoid a monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid and compounded monthly. $5.00 minimum opening deposit per member. Must maintain an aggregate minimum average daily balance of $200 to avoid a monthly fee.Any balance | 0.02% | $2 | Dividends paid and compounded monthly. $5.00 minimum opening deposit per member. Must maintain an aggregate minimum average daily balance of $200 to avoid a monthly fee. |
Special Savings Account
0.02%APY
Set aside funds for a dream vacation, school tuition and special life events. Dividends paid and compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid and compounded monthly. $1.00 minimum opening deposit ($5 minimum noted in general deposit notes).Any balance | 0.02% | $2 | Dividends paid and compounded monthly. $1.00 minimum opening deposit ($5 minimum noted in general deposit notes). |
Special-purpose accounts
Holiday Savings Account
0.02%APY
Designed to save for holiday spending any time of the year. Dividends paid and compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid and compounded monthly. $1.00 minimum opening deposit ($5 minimum noted in general deposit notes).Any balance | 0.02% | $2 | Dividends paid and compounded monthly. $1.00 minimum opening deposit ($5 minimum noted in general deposit notes). |
IRA Savings
0.02%APY
Traditional and Roth IRAs available. Dividends paid and compounded monthly. Account balances insured by NCUA up to $250,000 separately from other DFCU Financial balances.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid and compounded monthly. Dividend rate may change after the account is opened.Any balance | 0.02% | $2 | Paid and compounded monthly. Dividend rate may change after the account is opened. |
Sources (3)
- dfcufinancial.com/personal/Checking-And-Savings/IRAs
- dfcufinancial.com/Rates
- dfcufinancial.com/Rates/deposit
All captured Oct 5, 2026
Who can join DFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the designated Florida counties (14-county or 15-county region across Tampa Bay, Central, and Southwest Florida) is eligible for membership.
- Anyone who lives, works, worships, or attends school in Michigan's Lower Peninsula is eligible for membership.
Membership information collected October 5, 2026.