In addition, you'll need to fill out an application and provide your personal identifying information such as address, date of birth and Social Security number. To open an account, you'll need to show you qualify through your employer, area of residence or by joining a partner organization for as little as $10.Digital Federal Credit Union is a real bank with over 900,000 members, 23 branches and a network of 5,900 Shared CO-OP branches nationwide.As your account balance grows, so will your dividend rate. You’ll need at least a $1,000 balance to earn dividends. In addition, DCU offers CDs with terms of 6 to 24 months as well as a money market account with rates starting at APY. As for Member Described Savings, you’ll need at least $100 in each account you set up to start earning dividends. The only catch is you’ll need a $20 minimum monthly automatic transfer into the account. Earn dividends on any size balance with the Holiday Club account. There’s no minimum opening deposit, no minimum balance to earn and no monthly maintenance fees. Savings for specific goals is easier with the Holiday Club Savings account and Member Described Savings. The Advantage Savings account has no minimum opening deposit, no minimums to earn interest and no monthly maintenance fees. You can open this account with just $5, but there are no monthly maintenance fees or minimums to earn. Earn up to APY on the first $1,000 you deposit. DCU’s Primary Savings account pays one of the highest savings rates in the nation. ![]() Digital Federal Credit Union has four savings accounts.
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