DCCU Routing # 251483311

Savings Accounts

Other Savings Accounts

Club accounts are savings accounts that help you save for a specific purpose.  Certificates are monies invested that cannot be accessed for a certain period of time.

Club Accounts

Club accounts are savings accounts that you can open to help save for a purpose you choose, such as:

  • Emergency fund
  • Taxes
  • Down payment (house or new car)
  • Vacation
  • Birthdays/Anniversaries

Club accounts earn the same dividend rate as a Share Savings account, and funds are available at any time.

Christmas Club

Many members value the benefit of saving throughout the year for holiday expenses. Systematic deposits can be made by payroll deduction, automatic transfer, via Online Banking, by mail, or in person. This makes saving for that special time of year effortless.

The total balance (including dividends and initial deposit) will be deposited every October 1st into the account you designate at opening. The payout on this date is mandatory, but distribution on October 1st does not automatically close your account – it remains open until you close it.

couple reviewing documents with financial advisor
Help Me Decide
Kyle Scaife
Club accounts are great to use for a specific purpose. A Club account can be added to your existing account with ease, and can be used for vacations, taxes, gifts, and more.
Kyle Scaife
Retail Branch Manager, South High Street
couple reviewing finances together happily


For money that you won’t need for a period of time, it is usually invested in Certificates.  You choose the term based on when you’ll need your funds and/or what rate of return you’d like to earn.

  • $500 minimum required to open a certificate
  • Terms
    • 6 months - For a limited time, earn 4.59% APY
    • 15 months - For a limited time, earn 4.33% APY
    • 18 months
    • 1 year
    • 2 years
    • 2 1/2 years
    • 3 years
    • 4 years
    • 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:
    • 6 months to 18 months = 3 month dividends whether earned or not
    • 2 years - 5 years = 6 month dividends whether earned or not
  • To open a Certificate, visit a DCCU location or give us a call at 800.245.8085.


APY = Annual Percentage Yield. Promotional terms offered for a limited time. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts. Rates accurate as of 04/12/2023 and are subject to change. Membership required. 


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