Last Updated: 04/18/2025
Digital Federal Credit Union Ltd Savings Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Minimum Opening Deposit
Starting at $0
Minimum Balance to Earn APY
$25,000
Digital Federal Credit Union Ltd Savings Account Review
Digital Federal Credit Union Ltd Savings Account is offered by Digital Federal Credit Union, a credit union founded in 1979 and based in Marlborough, MA. Digital Federal Credit Union Ltd Savings Account are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Digital Federal Credit Union Ltd Savings Account has an annual percentage yield of up to 0.50%, which is higher than the average interest rate for savings accounts. Note that you must keep a minimum balance of $25000 to earn that interest rate.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Digital Federal Credit Union Ltd Savings Account does not charge fees on ATM transactions .
Digital Federal Credit Union Ltd Savings Account Pros & Cons
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Digital Federal Credit Union Ltd Savings Account FAQ
Are savings accounts from DCU savings account federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Digital Federal Credit Union offer a signup bonus?
Digital Federal Credit Union Ltd Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for Digital Federal Credit Union Ltd Savings Account?
There is no minimum deposit to open a Digital Federal Credit Union Ltd Savings Account.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Digital Federal Credit Union Ltd Savings Account offer?
Digital Federal Credit Union Ltd Savings Account offers an APY of 0.50% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Digital Federal Credit Union Ltd Savings Account charge?
Digital Federal Credit Union Ltd Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $15 fee.
- Outgoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Digital Federal Credit Union Ltd Savings Account charges $2 every time you request a paper statement.
What features and perks does Digital Federal Credit Union Ltd Savings Account offer?
This savings account includes the following features:
- Fraud monitoring - Digital Federal Credit Union Ltd Savings Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
- Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Digital Federal Credit Union Ltd Savings Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Digital Federal Credit Union Ltd Savings Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Digital Federal Credit Union Ltd Savings Account?
The customer support email for Digital Federal Credit Union Ltd Savings Account is dcu@dcu.org.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed