Personal Accounts

Share Savings
Dividends are paid on a tiered-balance method, which gives you more earning potential on your money. Dividends are compounded quarterly and credited quarterly. You must maintain an average daily balance of $100.00 or more to earn dividends in your account and to obtain the disclosed annual percentage yield. Direct Deposit, payroll deduction and an ATM card are available on this account.

Secure Checking Account*

Paying for goods and services is fast and easy through our Secure Share Draft Checking Account.

  • Unlimited check writing
  • ID Safe Choice (Fraud Recovery Program)
  • Dividends paid on average daily balance of $1000
  • Direct Deposit and Payroll deduction
  • VISA® Check Card
  • Point-of-Sale (POS) transactions
  • Free transactions at all DCFCU ATMs
  • Four Free transactions monthly at non-DCFCU ATMs (ATM surcharges may apply)
  • Online Banking and Bill Pay
  • Mobile Banking

Our Secure Checking account may also qualify you for additional discounts on consumer loans!

ID Safe Choice
This protection provides you with peace of mind in the event any of your financial and or personal information is compromised. ID Safe Choice will assign you a professional Identity Recovery Advocate, who will assist you with the necessary paperwork and other details to help restore your identity and resolve any issues. Plus, you have reimbursement insurance for any necessary recovery expenses up to $10,000 like lost wages or attorney fees. This service also extends to your immediate family members.

Click below to learn more about ID Safe Choice’s Program.
ID Safe Choice


Rewards Checking Account
If you would like the benefits and features of the Secure Checking and earn a higher rate, sign up for our Rewards Checking Account!  You will receive 2% APY ** on up to $5,000, and ATM refunds of up to $15.

To earn your “rewards”, you simply need to complete the following each qualification cycle:

1) Twelve (12) signature or PIN based debit card transactions
2) Have one ACH or direct deposit per month
3) Opt to receive your statements online (E-Statements)

To sign up or if you have any questions, please call us at 305-471-5080.


Individual Retirement Accounts (IRAs)
We offer the Traditional IRA, the Roth IRA, and rollovers. An IRA is a smart way to save for the future. IRAs may offer a considerable tax advantage you can enjoy now, because your earnings are tax-deferred. Plus, you may be able to deduct your contributions from current income. Consult with your tax advisor. Check out our rates. Rates are subject to change. Please check with your local branch for more details (fees or penalties may apply).

Effective April 1, 2006, the National Credit Union Administration (NCUA) increased the share insurance to $250,000.00 on retirement accounts such as Traditional and Roth Individual Retirement Accounts (IRAs) and SEP accounts.

This change provides greater protection and peace of mind for you, as you save for your retirement. For more information, please review the article below.
NCUA Bulletin on Share Insurance for IRAs

Share Certificates (CDs)
When you want a guaranteed return on your money, put your savings into high-yield Share Certificates. We make investing affordable. We offer flexible terms from 3 months up to 5 years with low minimum deposits. Click here to view our current rates.

Money Management Account
To earn a premium interest rate without tying up your cash, this easy-access account lets you enjoy complete liquidity — including access to Tellerline 24 or at any of our branches! This powerful money management tool keeps your funds liquid and flexible while strengthening the earning potential of your hard-earned money. The minimum balance required to open this account is $2,500. You must maintain a minimum daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. Dividends are compounded and credited to your account every month.

Holiday, Vacation and W.I.N./W.I.N. Club Accounts
These special accounts give you the opportunity to save for the holiday season, for vacation or for any reason. You can have $5.00 or more withheld from each paycheck and deposited automatically through payroll deduction.

Your money, plus dividends earned are automatically deposited into your Share Account on October 1 for the Holiday Club and on April 1 for the Vacation Club. With the W.I.N./W.I.N. (Whatever I Need/Whenever I Need) Account, you have access to your funds at any time you need them.

Senior’s Advantage
We offer free services to members who are 50 years or older and maintain a minimum combined average daily balance of $2,500.

Minimum opening balance: None
Minimum balance to qualify: $2,500
Monthly service charge: $1.99*
Check writing fee: None

Free services include:

  • Free ATM transactions (excluding other institutions surcharges)
  • Free checking with free standard check order
  • Free AARP membership of the first year
  • $5 discount on a safe deposit box
  • Up to 6 free copies of statements per year
  • Free Money Orders and Notary Services
  • Free Cashier’s Checks
  • No annual fee VISA card (if member qualifies)

Student Spotlight Program

We offer share account services to members ages 13- 17 and checking accounts for teens ages 16-17.

Minimum opening balance: None
Minimum balance: None
Monthly service charge: None
Check writing fee: None

Student Spotlight can help young people develop sound habits and provide financial flexibility in today’s on-demand retail environment.

Click here for our current rates
Federally Insured by NCUA to at least $250,000
* Monthly Security Fee of $1.99 will be applied ** APY= Annual Percentage Yield. To receive Rewards Checking benefits including the 2% APY up to $5,000 and eligibility for ATM refunds, the following requirements must be met each cycle: 1 Direct Deposit or ACH Auto Debit, a minimum of 12 check card signature or PIN based purchases and opting to receive electronic statements. If the above requirements are not met, you will receive the base APY of .10% on the full average daily balance for the qualification cycle and the ATM Surcharge Fees will not be refunded. Dade County Federal membership required. If you do not qualify for three consecutive months, you will be removed from Rewards Checking account. Rate and terms subject to change without notice. Security Fee of $1.99 will be applied to account on a monthly basis. If you qualify for Privilege Pay – an overdraft service offered by Dade County Federal – will result in a $29 fee per event.