Money Market Accounts

Saving solutions for life’s milestones.

Our most popular deposit product with higher yields and 24/7 access to your money.

Our Insured Money Market Accounts (IMMA) makes your money work harder for you.

  • As your IMMA balance increases, so does your dividend rate
  • Limited check writing (6 checks per month)
  • Tiered rate structure based on money market balances
    • $0 to $2,499
    • $2,500 to $24,999
    • $25,000 to $49,999
    • $50,000 to $99,999
    • $100,000 to $249,999
    • $250,000 to $499,999
    • $500,000 and more
  • Can increase Cash Back loyalty reward

Tier APY2
$0 to $2,499  0.02%
$2,500 to $24,999  0.02%
$25,000 to $49,999  0.02%
$50,000 to $99,999  0.02%
$100,000 to $249,999  0.05%
$250,000 to $499,999  0.10%
$500,000 and up  0.15% 

Rates effective as of 3/23/2023

Note: $2,500 minimum deposit to open
2APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.