Credit union · NCUA insured
Downriver Community Federal Credit Union Savings Rates
Downriver Community Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its High-Yield Savings. Rates checked October 16, 2026.
How Downriver Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Downriver Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Downriver Community Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
High-Yield Savings
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
Downriver Community Federal Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.15%
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 Downriver Community 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.
High-Yield Savings
0.15%APY
Interest is calculated using average monthly balance. Dividends are paid monthly. A minimum balance of $2,000 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999A minimum balance of $2,000 is required to earn dividends. | 0.15% | $15 | A minimum balance of $2,000 is required to earn dividends. |
| $25,000 – $99,999 | 0.30% | — | |
| $100,000 and up | 0.45% | — |
Prime Share Savings
0.05%APY
Establishes membership with Downriver Community Federal Credit Union. Dividends are paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.05% | $5 |
| $25,000 – $99,999 | 0.10% | — |
| $100,000 and up | 0.15% | — |
Special Savings
0.02%APY
No minimum balance requirement. Daily dividends paid quarterly. Allows personalized account names to organize savings goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Special-purpose accounts
Christmas Club
0.10%APY
No minimum balance requirement. Earn daily dividends paid quarterly. Funds and earnings become available on November 1 each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Downriver Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Wayne or Monroe Counties.
Cost to join
- Applying for membership requires opening a Prime Share Savings Account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.