Business Banking
Business High-Yield Savings
- Federally insured
- No deposit limit
- Liquid savings
- No monthly fees
New business account?
Get StartedAdd to your existing business account
Add MoreBusiness Banking Solutions
- Access a suite of business banking products designed to suit your specific needs.
- Manage multiple related entities (EINs) conveniently.
- Enjoy online tools for creating ACH and Wire Transfers.
- Link external accounts to streamline your business finances.
Business Banking Products
Business High-Yield Savings
- Federally insured
- No deposit limit
- Liquid savings
- No monthly fees
The Business High-Yield Savings Account Annual Percentage Yield (APY) and Dividend Rate are effective as of 2/4/2026. The Annual Percentage Yield (APY) is 3.20% and the Dividend Rate is 3.15% on balances from $5,000 to $49,999.99. The APY is 3.40% and the Dividend Rate is 3.34% 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. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. New money only. Federally insured by the NCUA. Please refer to DFCU’s Business Account Agreement and Schedule of Fees for additional important information and disclosures.
Business CDs
- Choose from any of our terms
- 3–60 month terms
Annual Percentage Yield (APY). The APY and dividend rates are effective as of 2/5/2026 and may change at any time without notice. A minimum deposit of $250.00 is required to open and earn APY. The APY for all Share Certificates assumes the dividend will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. A penalty will be imposed for the withdrawal of the principal before maturity. At maturity, Share Certificates will renew at the same term unless you inform us otherwise. Jumbo rates apply for deposits of $100,000 or more.
- New Money Only
New business account?
Get StartedAdd to your existing business account
Add More
Beneficial Owner Information
Direct@Work
Vocal For Local
Services
Digital Banking
Helpful Resources
Frequently Asked Questions
Yes, we offer SBA loans!
If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.
If you are not a member, please visit our Application Status Center.
Money Market dividends are are compounded monthly, and posted monthly.
We are federally Insured by the NCUA. The National Credit Union Share Insurance Fund was created by Congress in 1970 to insure members' deposits in federally insured credit unions. Each credit union member has at least $250,000 in total coverage in individual accounts.
The Share Insurance Fund also separately protects members’ IRA accounts up to $250,000 and provides additional coverage for members’ trust accounts.
The Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.
Dividends start to accrue on the date the account is funded.
Funds cannot be added to an existing CD Share Certificate.
Monthly dividends are available for withdrawal without penalty.
CD dividends are compounded daily and posted monthly.
Glossary
Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.
Credit unions are among the most well-capitalized financial institutions, maintaining equity reserves and investments that prioritize needed safety and soundness for their members.
Direct Federal is no exception to this. Our conservative balance sheet management and strong capital position makes us significantly different from financial institutions in the news.
