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Toll-Free: 800-326-3328 Salt Lake Area: 801-456-7000 |
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Deseret First Credit Union appreciates each member of the credit union. Rates and fees may not necessarily be the same for both standard and loyalty* accounts.
* Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's Primary Financial Institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.
Choose a Savings Option:
| Savings Accounts Apply | Email | 800-326-3328 | |||
| Type | Min. Deposit | Dividend Rate |
APY* |
| Membership Savings* | $ 25 | 0.300% | 0.30% |
| YouthCents Account | $ 5 | 0.300% | 0.30% |
| Special Savings | $ 0 | 0.300% | 0.30% |
| IRA Savings | $ 0 | 0.449% | 0.45% |
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*Everyone that becomes a member of Deseret First starts with a Membership Savings account. This accounts gives you membership, ownership and voting rights.
As a rule, you can earn more interest on your savings or investments by:
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| Checking Accounts Apply | Email | 800-326-3328 | |||
| Type | Balance | Dividend Rate |
APY |
| Regular Checking | |||
| 0.000% | 0.00% | ||
| High Yield Checking | |||
| Tier 1 | $ 0 - $ 24,999 | 0.000% | 0.00% |
| Tier 2 | $ 25,000 - $ 74,999 | 0.250% | 0.25% |
| Tier 3 | $ 75,000 + | 0.747% | 0.75% |
| Rewards Checking | |||
| Bonus Rate (Qualifications met)** |
$ 0 - $ 24,999 | 2.227% | 2.25% |
| Second Tiered Rate (Qualifications met)** |
$ 25,000 + | 0.399% | 0.40% |
| Base Rate (Qualifications NOT met) |
0.200% | 0.20% | |
| **(1)At Least 1 direct Deposit, (2)At least 10 debit card purchases and (3)Accept eStatements from www.dfcu.com. | |||
| Share Certificate (CD) Accounts - Traditional & IRA Apply | Email | 800-326-3328 | |||||
| Type | Term | Standard | Loyalty* | ||
| Dividend Rate |
APY | Dividend Rate |
APY | ||
| Regular | |||||
| 3-5 Months | 0.200% | 0.20% | 0.300% | 0.30% | |
| 6-11 Months | 0.950% | 0.95% | 1.240% | 1.25% | |
| 12-23 Months | 1.190% | 1.20% | 1.490% | 1.50% | |
| 24-35 Months | 1.242% | 1.25% | 1.735% | 1.75% | |
| 36-47 Months | 1.735% | 1.75% | 2.225% | 2.25% | |
| 48-59 Months | 2.230% | 2.25% | 2.710% | 2.75% | |
| 60+ Months | 2.960% | 3.00% | 3.250% | 3.30% | |
| Jumbo > $75,000 | |||||
| 6-11 Months | 1.040% | 1.05% | 1.340% | 1.35% | |
| 12-23 Months | 1.290% | 1.30% | 1.590% | 1.60% | |
| 24-35 Months | 1.340% | 1.35% | 1.830% | 1.85% | |
| 36-47 Months | 1.830% | 1.85% | 2.323% | 2.35% | |
| 48-59 Months | 2.320% | 2.35% | 2.810% | 2.85% | |
| 60+ Month | 3.050% | 3.10% | 3.340% | 3.40% | |
| * Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's Primary Financial Institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days. | |||||
| Premier Share Certificate (CD) Account Apply | Email | 800-326-3328 | ||||
| Balance | Dividend Rate |
APY | (2-year t-bill Rate as of the 20th of the prev. month) | |
| Tier 1 | $ 0 - $ 999 | 0.000% | 0.00% | |
| Tier 2 | $ 1,000 - $ 19,999 | 0.200% | 0.20% | |
| Tier 3 | $ 20,000 - $ 49,999 | 0.450% | 0.45% | |
| Tier 4 | $ 50,000 - $ 99,999 | 0.700% | 0.70% | |
| Tier 5 | $ 100,000 + | 0.950% | 0.95% | |
| The Premier CD is a hybrid product that gives rates that are indexed to the 2-Year T-Bill, but like a money market, your money isn't tied up for longer periods of time because there is no penalty for withdrawing money during the first three business days of each quarter. | ||||
| Money Market Accounts Apply | Email | 800-326-3328 | |||||
| Type | Balance Tier |
Standard | Loyalty* | ||
| Dividend Rate | APY | Dividend Rate | APY | ||
| Regular | |||||
| $ 0 - $ 2,499 | 0.000% | 0.00% | 0.100% | 0.10% | |
| $ 2,500 - $ 19,999 | 0.250% | 0.25% | 0.598% | 0.60% | |
| $ 20,000 - $ 99,999 | 0.499% | 0.50% | 0.900% | 0.90% | |
| $ 100,000 + | 0.747% | 0.75% | 1.140% | 1.15% | |
| Jumbo | |||||
| $ 0 - $ 99,999 | 0.050% | 0.05% | 0.399% | 0.40% | |
| $ 100,000 - $ 249,999 | 0.747% | 0.75% | 1.140% | 1.15% | |
| $ 250,000 - $ 499,999 | 0.747% | 0.75% | 1.140% | 1.15% | |
| $ 500,000 - $ 999,999 | 0.747% | 0.75% | 1.140% | 1.15% | |
| $ 1,000,000 + | 0.747% | 0.75% | 1.140% | 1.15% | |
| * Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's Primary Financial Institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days. | |||||
| Member Service Center | |
| Salt Lake area: | 456-7000 |
| Toll-free: | 800-326-3328 |
| Branch locations | |
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© 2008, Deseret First Credit Union