We have a wide range of savings accounts that can help you save for what matters most to you.


Regular Savings

Regular Savings Accounts at DFDFCU are called "Share/Savings Accounts". The share/savings account is referred to as your “share” account because every member has one ownership “share” in the Credit Union. Your ownership "share" of DFDFCU begins when you open a share/savings account and deposit a minimum of $25.00.

Member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund.

Dividend earnings on share/savings accounts are determined using the average daily balance method which applies a periodic rate to the average daily balance in the account compounding and crediting the account on a monthly basis. Members should review the Truth in Savings disclosures for all dividend payment agreements

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Certificate of Deposit (CDs)

Meet your financial goals of tomorrow while keeping your investments close to home. Certificates allow for flexible investment terms and amounts while paying a higher dividend than regular savings products.


  • 6, 12, 24, 36 or 60-month terms available
  • Minimum deposit of $500
  • Dividends are paid monthly
  • Renewed automatically
  • Deposits are federally insured up to $250,000 by the NCUA.

Share Certificates set to Auto-Renew

All Share Certificates are set to auto-renew upon opening. When your certificate approaches its renewal date you will receive a notice from us letting you know various details regarding your certificate. Some of the important details included in that notice are your maturity date, your grace period, and how to get the annual percentage yield and rate your Share Certificate will renew at. The Truth-In-Savings Disclosure related to your renewing Share Certificate in addition to the DFDFCU E-Sign Disclosure can be found below.

Please click the links below to view your Share Certificate  Auto Renew Disclosure and E-Sign Disclosure. 

          Share Certificate Auto Renew Disclosure                        E-Sign Disclosure

Should you want to set your CD to non-renew please call into our Personal Banker team at 303-228-5300, send a text request to 303-228-5300 or send us a secure message once you are signed into your DFDFCU Digital Banking.

Individual Retirement Accounts (IRAs)

SAVE TODAY! Meet your retirement goals of tomorrow while you earn higher dividends.

Contact DFDFCU today to learn more about our IRA Shares & IRA Certificate of Deposit. Choose from great rates on your CD or choose a liquid IRA Share Account while you build your retirement funds. We have options to fit your specific needs.

  • Minimum $500 balance required on Certificates of Deposit.
  • Dividends paid monthly on CDs and the IRA Share Account.
  • APY - Annual Percentage Yield

Rules and Regulations that govern Individual Retirement Accounts can be complex. DFDFCU recommends all members speak with a tax advisor prior to opening, contributing to, or withdrawing from an IRA. IRA’s invested in Certificates of Deposit may be subject to early withdrawal penalties.

IRA Options Traditional vs. Roth

Content-IRA Options Traditional vs. Roth

Roth IRA’s

Content-Roth IRA’s

Traditional IRA’s

Content-Traditional IRA’s

Inherited IRA

Content - Inherited IRA

Transfers, Rollovers, and Conversions

Content-Transfers, Rollovers and Conversions

Money Market Accounts

Looking to get a higher return on a secure investment? Money Market Accounts offer a higher return than a regular savings account but allow you more access to your funds than other investment alternatives. A Money Market Account is an ideal investment option for your portfolio, protecting against the ups and downs of the stock market and mutual funds.

  • DFDFCU offers a tiered Money Market Account where you receive greater earnings the greater your balance is. 
  • You may make up to six (6) withdrawals or transfers out of the account every month.
  • Pay no monthly or annual fees.
  • Your deposits are federally insured up to $250,000 by the NCUA.

Check Rates

Health Savings Accounts

A DFDFCU Health Savings Account (HSA) is an alternative way to save for medical expenses and pay for health care costs. If your insurance policy is a High Deductible Health Plan (often referred to as an HDHP), you can save for qualified medical expenses-doctor visits, prescriptions, dental care and more-and do it tax-free.*

HSA Accounts

Content-HSA Accounts

Key Features

  • No account set-up fee or monthly fee
  • Interest earning account starting at $0
  • Tax –deductible contributions
  • Withdrawals for qualified medical expenses and dividends are both tax-free
  • No annual spending requirement
  • Debit card for easy payment

What you need to open a new HSA

  • Current health plan details (Provider Name, Deductible Amount, Policy Effective Date)
  • Beneficiary information (Name, Address, Social Security Number or Date of Birth)
  • Certain conditions must be met before a Health Savings Account (HSA) can be opened. Please check with the Internal Revenue Service for specific questions and details.

What do you need to rollover or transfer an existing HSA?

  • Name of originating institution
  • Any related account numbers

*Information on this page is not intended as tax advice. Please consult your tax advisor for information specific to your situation. Contribution limits and High Deductible Health Plan limits are revised each year to reflect cost-of-living increases.

*Account qualifications apply. Reference the Membership Agreement and Disclosures document for additional account information. Additional fees may apply to the checking account based on usage and account balance. Please review DFDFCU’s Business and Consumer Fee Schedule for additional information. Any dividend rates disclosed for a checking account are disclosed in APY – Annual Percentage Yield

*Additional fees may apply to the closing of a Certificate of Deposit. Early withdrawal penalties may apply. Deposits into and withdrawals from Individual Retirement accounts may have significant tax implications. A tax advisor should be contacted prior to making transactions in and out of an Individual Retirement Account. The Money Market Account has a $5,000 minimum balance for eligibility to earn the posted rate. If the Money Market Account balance falls under $5,000 at any time during the month, the account will only earn a rate equal to the Share Savings Rate. Any dividend rates disclosed for a certificate of deposit, IRA account or Money Market Account are disclosed in APY – Annual Percentage Yield. Additional fees may apply to Certificates of Deposit, Money Market and IRA accounts based on usage and account balance. Please review DFDFCU’s Business and Consumer Fee Schedule for additional information.

Contact a DFDFCU Personal Banker to determine the best savings product for your needs.

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