Checking & Savings

Select Checking

Select Checking offers a more robust set of options to manage your money:

  • No service fee if minimum balance of $500 is maintained - if balance falls below $500 the monthly service fee will be $5.00
  • Free Visa debit card
  • Free online banking
  • Free phone banking
  • Free online bill pay
  • Unlimited check writing
  • Unlimited teller visits
  • First box of checks at no charge
  • No per check fee
  • Dividends paid at normal DCU rates - View Current Rates

Select Checking Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$500.000.25%0.26%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $500.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Basic Checking

Basic Checking provides the basic services you need plus several added benefits:

  • Direct Deposit required
  • No service fees
  • No minimum balance
  • Free Visa debit card
  • Free phone banking
  • Free online banking
  • Online bill pay available for $5.95 monthly fee
  • Unlimited check writing
  • Unlimited teller visits
  • No per check fee

Basic Checking Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00No dividends paidNoneNone
"APY" refers to Annual Percentage Yield


The minimum balance to open an account is $25.00.

Rates are subject to change after account is opened. Please call for the most up to date rates.

Savings Accounts

When you join DCU, your initial deposit opens your savings account.

The required minimum balance that must be maintained is only $25.00.

This account is a regular savings account; add to it as you can and withdraw from it as you need.

Once your account is open, you are a member and are eligible to apply for all products and services offered by DCU.

Savings Account Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$500.000.75%0.76%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $25.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

New & Used Auto Loans 5.25%
Home Equity Loans 5.90%
Platinum MasterCardŽ 9.90%

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Rates may be fixed or variable and may include discounts or other promotional conditions.

"APY" refers to Annual Percentage Yield
"APR" refers to Annual Percentage Rate
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