If you're still paying for a checking account through monthly fees or minimum balances, it's time to turn things around. With DCFCU's "Better-Than-Free" Checking, here's what you'll get:
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No monthly service charge
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FREE On-line Bill Pay and On-line Banking
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Unlimited check writing
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No per-check charge (The only thing you pay for are the checks themselves!)
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No minimum balance requirement
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Discounts on Consumer Loan Rates (You must qualify and meet other Credit Union requirements-ask for details)
Dividends (interest) will be earned if the Member maintains an average daily balance of $1,000.00 or more (based on a tiered-balance method). Dividends are compounded and credited monthly. Direct deposit and payroll deduction are available on this account. By using a Dade County Federal Credit Union ATM with a DCFCU ATM card or Check Card, any transaction is free. At any other ATM, your first four (4) transactions each month are free. Thereafter, it's only $1.00 per transaction. Plus, make any point of sale (POS) transaction at no additional charge.
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 accoutns such as Traditional and Roth Individual Rretirement Accoutns (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.
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.
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 None
Check writing fee None
Free services include:
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Free ATM transactions (excluding other institutions surcharges)
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Free checking with free standard check order
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Free AARP membership of the first year
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$5 discount on a safe deposit box
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Up to 6 free copies of statements per year
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Free Money Orders and Notary Services
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Free Cashier's Checks
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No annual free VISA card (if member qualifies)
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Free Travelers Checks for one signature
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 sound habits and provide financial flexibility in today's on-demand retail environment.
Click here for our current rates
