Savings Accounts
Savings Accounts at Dade County Federal Credit Union
Dade County Federal Credit Union (DCFCU) offers a variety of low-minimum balance savings accounts designed to help members across Palm Beach, Broward, Miami-Dade, and Monroe Counties save with confidence. Whether you’re opening your first account, building an emergency fund, or planning future expenses. DCFCU provides flexible savings options with multiple deposit options, including online transfers, payroll deduction, and branch deposits. All savings accounts come with free access to online and mobile banking and easy access to funds based on account terms.
All DCFCU savings accounts require just $6 to open and are backed by a trusted, member-owned credit union focused on helping you reach your financial goals at every stage of life.
Why Members Choose Share Savings
- Low minimum balance
- Earn dividends
- Quarterly statements
- ATM access
- Direct Deposit & payroll deduction available
- Overdraft Protection for purchases made from your checking account*
- Online & Mobile Banking
Dividend Details
- Dividends are compounded and credited quarterly
- Maintain an average daily balance of $100 to earn dividends
Open your Share Savings account in minutes!
Senior Membership (Ages 50+)
Exclusive benefits for members who maintain a minimum combined average daily balance of $2,500.
Account Requirements
- Minimum balance to qualify: $2,500
- No Check-writing fee
Free Senior Services
- Free ATM transactions (excluding other institutions' surcharges)
- Free checking with free standard check order
- Free AARP membership for the first year
- $5 discount on a safe deposit box
- Up to 6 free copies of statements per year
- 5 free money orders per month
- 5 free Cashier’s Checks per month
- Free Notary services
- No annual fee VISA card (if member qualifies)
Club Accounts
Save Automatically for Holidays, Vacations, or Whenever You Need It
Our Club Accounts help you build savings effortlessly with small, automatic deposits. Open with just $6 and watch your balance grow. You can deposit online, by payroll deduction, at a branch, or via automatic transfers.
W.I.N. / W.I.N. Club (Whatever I Need / Whenever I Need)
Flexible savings you can access anytime.
Features
- Funds available anytime
- Voluntary withdrawals
- Account continues until closed (closing fee: $25)
Benefits
- Easy to open and maintain
- Multiple deposit options
- Convenient access to funds
- Continuous account availability
- Overdraft Protection available*
Holiday Club Account
Save throughout the year and get your funds right before the holiday season.
Features
- Balance automatically transfers to your Share Savings on October 1
- Funds available Oct. 1 – Nov. 30 without penalty
- Account continues annually until closed (closing fee: $25)
Benefits
- “Set it and forget it” automatic savings
- Stress-free holiday budgeting
- Peace of mind with ongoing account continuation
Vacation Club Account
Plan ahead for your next getaway.
Features
- Balance automatically transfers to your Share Savings on April 1
- Funds available Apr. 1 – May 31 without penalty
Benefits
- Automatic savings for travel
- Easy deposit options
- Helps you build a vacation fund without thinking about it
- Peace of mind with annual continuation
Start Saving Today
Open your Share Savings or Club Account online today! It's quick, easy, and secure.
*Overdraft Protection incurs a fee of $2 per instance when used for purchases made from your checking account. A $25 closing fee applies if account is closed within the first 180 days of opening.
Frequently Asked Questions About Savings Accounts
What is a Share Savings Account at Dade County Federal Credit Union?
A Share Savings Account is your primary membership account. It requires only $5 to open and gives you access to all DCFCU products, including checking, loans, and digital banking. You earn quarterly dividends when you maintain an average daily balance of $100 or more.
Who can open a savings account with DCFCU?
Membership is available to individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami‑Dade, or Monroe County are eligible to join our Credit Union.
How much do I need to open a savings account?
Share Savings and Club Accounts require $6 to open.
Do DCFCU savings accounts earn dividends?
Yes. Dividends are compounded and credited quarterly. Share Savings uses a tiered‑balance method, which means higher balances may earn higher dividend rates.
What are Club Accounts and how do they work?
Club Accounts help you save automatically for holidays, vacations, or personal goals. You can deposit as little as $5 through payroll deduction, periodic payments, or online transfers. Funds are released on preset dates depending on the account type.
Can I access my savings account online?
Yes. All savings accounts include Online & Mobile Banking, allowing you to check balances, transfer funds, set up alerts, and manage your account securely 24/7.
Are there fees for closing a savings account?
Some accounts have a $25 closing fee if closed within the first 180 days. Club Accounts also carry a $25 closing fee if the member closes the account.
What benefits come with Senior Membership?
Members age 50+ who maintain a combined average daily balance of $2,500 receive free checking, free ATM transactions, free AARP membership for the first year, free money orders, free Cashier’s Checks, and more.
Do savings accounts offer overdraft protection?
Yes. Share Savings and W.I.N./W.I.N. Club Accounts offer overdraft protection for purchases made from your checking account for a $2 fee per instance.
Can I set up automatic savings?
Absolutely. Club Accounts allow automatic transfers so you can build your balance effortlessly throughout the year.