Credit union · NCUA insured
Dynamic Federal Credit Union Savings Rates
Top CarrotDynamic Federal Credit Union’s best savings rate is 2.53% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Dynamic Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Celina, OH, where Dynamic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dynamic Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
Money Market Savings Account
Top rate
Superior Credit Union
3.95%APY
- Minimum
- $100
- Earns on $10,000 a year
- $395
3rd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
Dynamic Federal Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0003.20%
- QualifiedQualified2.53%
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 Dynamic 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.
Money Market Savings Account
2.53%APY
Rates are subject to change weekly and dividends are earned monthly. $10.00 monthly maintenance fee applies if balance goes below $2,000 for the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Monthly maintenance fee of $10.00 applies if balance falls below $2,000. | 0.00% | — | Monthly maintenance fee of $10.00 applies if balance falls below $2,000. |
| $2,000 – $20,000Monthly maintenance fee of $10.00 waived with balance of $2,000 or more. | 2.53% | $253 | Monthly maintenance fee of $10.00 waived with balance of $2,000 or more. |
| $20,000 – $75,000Monthly maintenance fee of $10.00 waived with balance of $2,000 or more. | 2.79% | — | Monthly maintenance fee of $10.00 waived with balance of $2,000 or more. |
| $75,000 and upMonthly maintenance fee of $10.00 waived with balance of $2,000 or more. | 3.20% | — | Monthly maintenance fee of $10.00 waived with balance of $2,000 or more. |
Sources (2)
- dynamicfcu.com/about-us/membership/rates/share-rates
- dynamicfcu.com/accounts/save/money-market-accounts
All captured Sep 17, 2026
Principal Share
0.07%APY
Primary savings account establishing credit union membership and ownership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.03% | — |
| $5,000 – $20,000 | 0.07% | $7 |
| $20,000 and up | 0.13% | — |
Sources (3)
- dynamicfcu.com/about-us/membership/rates
- dynamicfcu.com/about-us/membership/rates/share-rates
- dynamicfcu.com/accounts/save/share-saving
All captured Oct 6, 2026
Subsidiary Share
0.07%APY
Budget savings accounts (such as Vacation, Escrow, etc.) to help achieve financial goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.03% | — |
| $5,000 – $20,000 | 0.07% | $7 |
| $20,000 and up | 0.13% | — |
Sources (3)
- dynamicfcu.com/about-us/membership/rates
- dynamicfcu.com/about-us/membership/rates/share-rates
- dynamicfcu.com/accounts/save/share-saving
All captured Oct 6, 2026
Special-purpose accounts
Student Share
4.32%APY
For members under the age of 18; matures on the child's 18th birthday by automatically transferring to their primary principal share/savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 4.32% | $432 |
Sources (3)
- dynamicfcu.com/accounts/save/student-savings
- dynamicfcu.com/about-us/membership/rates
- dynamicfcu.com/about-us/membership/rates/share-rates
All captured Oct 6, 2026
Christmas Club
0.07%APY
Funds are disbursed into principal share account at the end of September each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.03% | — |
| $5,000 – $20,000 | 0.07% | $7 |
| $20,000 and up | 0.13% | — |
Sources (3)
- dynamicfcu.com/accounts/save/christmas-club
- dynamicfcu.com/about-us/membership/rates
- dynamicfcu.com/about-us/membership/rates/share-rates
All captured Oct 6, 2026
Who can join Dynamic 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
- Persons who live, worship, work, or attend school in, and businesses and other legal entities located in Mercer County, Ohio.
Employers and groups
- Employees of this credit union.
Family and household
- Members of the immediate family or household.
- Spouses of persons who died while within the field of membership of this credit union.
Other ways
- Organizations of such persons.
- Members of record of this credit union as of March 24, 2003, the date of conversion to a community field of membership.
Cost to join
- A $5.00 minimum deposit into a Principal Share savings account is required to establish membership and ownership.
Membership information collected October 5, 2026.