Bank Rates
High-Yield Savings Rates
The High-Yield Savings Account Annual Percentage Yield (APY) and Dividend Rate are effective as of 2/4/2026. The Annual Percentage Yield (APY) is 3.30% and the Dividend Rate is 3.25% on balances from $5,000 to $49,999.99. The APY is 3.50% and the Dividend Rate is 3.44% on balances of $50,000 and above. Rates are variable and may change after the account is opened at any time at Direct Federal Credit Union’s discretion. The minimum deposit to open a High-Yield Savings Account is $0. A minimum daily balance of $5,000 is required to earn the stated APY. If the balance in the High-Yield Savings Account falls below $5,000 on any day during the month, no dividends will be paid for that dividend period. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking, the APY will be 0.10% lower. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. New money only. (No internal transfers from an existing Direct Federal Credit Union account). Federally insured by the NCUA. Please refer to DFCU’s Account Rules and Regulations and Schedule of Fees for additional important information and disclosures.
Money Market
Account Type
Annual Percentage Yield (APY) is 2.20%. The Premium Money Market APY and Dividend Rate are in effect as of 12/31/2025 This offer may be discontinued by the Credit Union at any time. The minimum deposit to open a Premium Money Market Account is $500 and there is a minimum daily balance of $25,000 to earn the stated APY. If the balance in the Premium Money Market Account falls below $25,000 for any day during the month, no interest will be paid for that dividend period. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account, the APY will be 0.10% lower. Federally insured by the NCUA.