DCCU Routing # 251483311

Accounts that Work for You

Savings Accounts

DCCU is here to help serve your savings needs. Whether you're saving for Christmas, college, retirement, or something else, DCCU has a savings product for you.

Features & Benefits of DCCU Savings

No Monthly Fee

Opportunity to Earn Dividends

Savings Options that Fit Your Life

NEW! Get Paid Sooner with Early Pay

Main Share Savings Account

With a $5 minimum deposit to a Share Savings Account, you can become a member-owner and take advantage of the following:

  • Benefits 
  • Products
  • Services

Maintaining a $5 balance in your Share Savings Account represents your share in the Credit Union.

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Savings Account Options


Health Savings Accounts

If you qualify for a Health Savings Account (HSA), you can save for future qualified medical and retiree health expenses on a tax-free basis. These accounts must be opened at a DCCU Member Center.

Key Benefits:

  • Tax-free employer contributions
  • Possibly tax-deductible contributions
  • Interest or other earnings in the account are tax-deferred

Good for Members who:

  • Are covered by a qualified High Deductible Health Plan (HDHP)
  • Don't already have a Flexible Spending Account (FSA) to cover medical costs
  • Are not enrolled in Medicare



Individual Retirement Accounts

Individual Retirement Accounts (IRA) are a great way to prepare for retirement.  Start saving today and open one of our IRA Savings or Certificates. These accounts must be opened at a DCCU Member Center or online through Retirement Central.

Key Benefits:

  • Greater earnings through a higher dividend rate
  • Funds earn a constant rate
  • Funds are federally insured by the NCUA

Good for Members who:

  • Want to prepare for retirement
  • Want their funds to have a higher dividend rate


Savings Account

A Money Market account provides the opportunity to earn a higher return on your money compared to a simple savings account, but allows access to your funds when you need it.

Key Benefits:

  • No monthly fee
  • Earns dividends - computed daily, paid monthly
  • 6 penalty-free withdrawals each month

Good for Members who:

  • Want to earn a higher return than a simple savings account
  • Still want access to their money without penalty



Of Deposit

Certificates are monies invested that cannot be accessed for a certain period of time and provide an opportunity to earn a higher return on your money compared to a simple savings account. You choose the term based on when you'll need your funds and/or what rate of return you'd like to earn.

Key Benefits:

  • Dividends are compounded monthly and paid monthly
  • Automatic renewal options available
  • Better rates than traditional savings accounts

Good for Members who:

  • Want to earn a higher return compared to a simple savings account
  • Wish to grow their investment over a set period of time

Club Accounts

Earn Dividends

Earn the same dividend rate as Share Savings account

Easily Access Funds

Club account funds are available at any time

No Monthly Fee

There are no fees associated with a Club account

Build an Emergency Fund

Funds can be used to build emergency savings

Save for the Holidays

Save for the holidays with a Christmas Club account

Build a Habit of Saving

Grow your financial resilience by opening a Club account

Get Paid Sooner with Early Pay

Early Pay now gives you access to eligible direct deposits to DCCU accounts – including paychecks, retirement, and social security – up to two business days sooner. No enrollment required. 

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