We realize that there are more choices than ever when it comes to banking. It is important to partner with a financial institution that offers more than basic money management services. At DCCU, our members are our top priority. Because we care about your financial wellness, we are deliberate in our efforts to provide a comprehensive suite of products and services that not only meet your needs, but can also help you achieve your financial goals. I’d like to share a few examples of ways you can make the most of your DCCU membership.

Checking Accounts with Benefits 
A checking account is a financial foundation that allows you to easily move money from one place to another, whether you are paying bills or making purchases. While most checking accounts offer minimal benefits, a checking account at DCCU gives you something in return. Our Grow Checking account offers a higher dividend each month, currently 5.12% APY*, based on debit card usage and account activity. And with our Rewards Checking account, you can earn points that are redeemable for gift cards, cash, travel, and more. If you don’t already have a checking account with us, consider one of our options that provide the features and benefits that best support your financial needs. 

Higher Returns on Savings
Whether you are building your emergency fund or setting aside money for longer-term investments like purchasing a home, saving is more important than ever before. It also may be a little harder to save these days because of inflation. That’s why we’ve been deliberately raising our Certificate and Money Market rates to help you save more. Certificates and Money Market accounts are a viable way to earn a higher return on your deposit and a great way to help your dollars stretch a little further. 

Prudent Borrowing Opportunities
Despite the rising interest rate environment, we’ve maintained our stance on remaining competitive. We keep rates as low as we can, while also adding benefits that support the financial health of our members. A great example is our Auto Loans. In addition to competitive rates, DCCU Auto Loans come with no payments for 90 days, which allows you to get the vehicle you need now, and start your payments later. Also with our new Rebate Program, DCCU credit cards, auto loans, home equity, and personal loans are rebate eligible and provide a direct financial benefit for our members. 

Planning for the Future
If planning for your financial future extends beyond your short-term goals, we also have a Member Investment Services (MIS) team to help you think about your long-term goals such as financing a college education or planning for retirement. I encourage you to reach out to them. They are a great resource to help you plan for the future. 

These are just a few ways that DCCU can support you on your financial journey. Beyond these examples, we are dedicated to providing personalized service, financial education and counseling, and convenient technology that helps to make your life easier. It’s an exciting time to be a member of our cooperative. Much of this edition of Member Matters is dedicated to our new Rebate Program. I encourage you to explore all the features of this innovative new program so that you can make the most of your DCCU membership. As always, I appreciate your continued support of our cooperative. 

*Grow Checking is a tiered rate account and tiers are based on account activity. APY = Annual Percentage Yield. Rates accurate as of 09/29/2023 and subject to change.