Grow Your Finances

Let DuPont Community Credit Union help you grow your finances! See below for three ways we can help earn more this year – with Grow Checking, Money Market Accounts, or Certificate Products. Speak with a Member Advisor today to learn more about the option that's best for you. 

 

1. Grow Checking

If you're still paying for checking, it's time to switch to DCCU - stop paying for your checking account and get something back instead! DCCU checking accounts feature:

  • No monthly fee Grow checking dashboard
  • No minimum to open
  • No minimum monthly balance required
  • Ten (10) Free nationwide ATM withdrawals per year ($5 maximum per ATM refund)
  • Rewards dashboard within Online Banking to make it easy to track your benefits


Plus, Grow Checking from DCCU pays you dividends when you use your debit card each month. Ideal for members who prefer to use their debit card and enjoy eStatements, benefits of a Grow account (with eStatements) include:

  • Opportunity to earn dividends each month (up to 2.53% APY on deposits up to $25,000) D C C U Grow Checking
  • Free Bill Payer ($6 monthly savings)
  • DCCU's Foreign ATM fee is waived ($0.50 savings per transaction)

The amount of dividends you earn each month depends upon how many times you use your DCCU Grow debit card:

Tier Dividend Rate APY* # of Debit Card Transactions per Month $ Amount of Debit Card Purchases per Month eStatements Nationwide ATM Refunds Reward Dashboard in Online Banking
II 2.50% 2.53% 15 More than $250 10 refunds, up to $5 per refund
I 0.75% 0.75% 10 10 refunds, up to $5 per refund
Requirements Not Met 0.00% 0.00% 10 10 refunds, up to $5 per refund

The Grow Checking accounts are tiered rate accounts. Tiers are based on account balance and activity. If activity requirements are not met, any balance earns the base rate tier of 0.00%. Accounts that meet tier 1 monthly requirements of 10 debit transactions and are enrolled in eStatements earn a tier 1 dividend rate of 0.75% on all balances up to and including $25,000. Balances over $25,000 earn the base rate tier of 0.00%. Accounts that meet tier 2 monthly requirements of 15 debit transactions totaling $250 or greater, and are enrolled in eStatements earn a tier 2 dividend rate of 2.50% on all balances up to and including $25,000. Balances over $25,000 earn the base rate tier of 0.00%. Due to this blended rate structure, the annual percentage yield (APY) varies depending on the balance. Increased balances have decreased yields. Net purchases are all of your debit card purchases minus all refunds or credit transactions to your debit card number within the calendar month. No minimum balance required. Up to 10 free nationwide ATM withdrawals per year ($5 maximum per ATM refund). One Grow Checking account per primary member and it is allowed for personal accounts only.

2. Money Market Accounts

When you have money that you want to earn a higher return than a simple savings account but want access whenever you need it, a Money Market Account may be your best option.

  • $1,000 minimum balance required to earn dividends
  • No monthly fee
  • Earns dividends – computed daily, paid monthly
  • 6 withdrawals per month penalty free
  • $100 minimum withdrawal

APY = Annual Percentage Yield. The Money Market account has a variable interest rate and $1,000 minimum balance required to earn dividends. Membership required.

Money Market APR
$100,000 and above 1.00%
$50,000 – $99,999.99 0.85%
$25,000 – $49,999.99 0.75%
$1,000 – $24,999.99 0.60%
$999.99 and under 0.00%

View all rates

3. Certificates

Certificates may be a good option for money you’d like to save for a period of time. You can choose from a variety of existing terms based on when you’ll need the funds, as well as what rate you’d like to earn. 

  • $500 minimum required to open a certificate couple sitting outside on bench
  • Terms: 6-months, 18-months, 1, 2, 2½, 3, 4, & 5 years
  • Dividends compounded monthly and paid monthly
  • Choose to have dividends posted to your account or compounded to your certificate
  • Automatic renewal
  • Early withdrawal penalty:
    • Terms 6-months to 18-months = 3 month dividends whether earned or not
    • Terms 2 years – 5 years = 6 month dividends whether earned or not

APY = Annual Percentage Yield. Promotional terms offered for a limited time. $500 minimum balance required. Early withdrawal penalties apply. Membership required.

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