Account Rates
Dade County Federal Credit Union offers competitive deposit account rates for members across Palm Beach, Broward, Miami-Dade, or Monroe Counties. Whether you're building your savings, maximizing a Share Certificate, or planning for retirement with an IRA, our rates are designed to reward your membership and help your money work harder for you. As a not-for-profit credit union federally insured by the NCUA up to $250,000, DCFCU returns value directly to our members — not outside shareholders. Ready to open an account? Click here to join DCFCU.
Account Rates
Rates effective as of February 17, 2026
Club Accounts**
| Range | Rate | APY* |
|---|---|---|
| $100 – $499.99 | 0.05% | 0.05% |
| $500 – $4,999.99 | 0.05% | 0.05% |
| $5,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 and over | 0.15% | 0.15% |
** Minimum of $5.00 required to open account.
Money Management†
| Range | Rate | APY* |
|---|---|---|
| $2,500 – $4,999.99 | 0.40% | 0.40% |
| $5,000 – $49,999.99 | 0.45% | 0.45% |
| $50,000 – $99,999.99 | 0.65% | 0.65% |
| $100,000 – 249,999.99 | 0.95% | 0.95% |
| $250,000 and over | 1.05% | 1.06% |
† Minimum of $2,500.00 required to open account.
* APY= Annual Percentage Yield
Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates 24 hours a day, simply call TellerLine24 at 305-471-5335 or 800-696-5962.
Share Certificate Promotional Rates
Share Certificate Promotional Rates
Rates effective as of June 1, 2026
| Range | Rate* | APY* |
|---|---|---|
| 6 Months | 3.96% | 4.00% |
| 12 Months | 3.93% | 4.00% |
*APY = Annual Percentage Yield. 4.00% APY 6-Month and 12-Month Share Certificate (CD), effective 6/1/2026; minimum opening balance of $500. All terms are subject to early withdrawal penalty and/or fees which may reduce earnings. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership is required.