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Credit Union Accounts – Savings, Checking, Business, and More!

Free Checking
Checking Rewards
Christmas Club
Regular & IRA Certificates of Deposit

Credit Union Savings Account

With just a minimum balance of $5 to open and no monthly maintenance fees, a DMCU savings account is the simple and effective way to save. And, since you’re choosing a credit union, that $5 gets you a share of ownership in your financial institution. Furthermore, as a non-profit organization, our dividend rates are generally much higher than those at your average financial institution.

It’s important to know that most credit unions call the money it pays you for keeping your money on deposit a dividend. The dividend paid to the member is a portion of the credit union’s earnings and are classified as dividends. This is just one of many benefits you receive for being a member at DMCU.

Credit Union Savings Accounts
Effective Date: May 1, 2017

Account TypeDividend Rate / APY** / Dividend PaidMinimum Balance
Savings Shares0.25% / 0.25% / Quarterly$5.00
Sub Savings0.25% / 0.25% / Quarterly$0.00
Christmas Club0.40% / 0.40% / October 31st$0.00
Youth Savings0.25% / 0.25% / Quarterly$5.00
*Minimum deposit of $5.00 to open the account. **APY = Annual Percentage Yield.

To open your DMCU Savings account, visit your nearest DMCU location or apply online today. 

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Credit Union Checking Account

A DMCU checking account makes checking easy. That means no minimum fees, no minimum balance, plus interest dividends. In addition to these features, you will enjoy

  • A MasterCard Debit Card or ATM Card
  • Free access to your accounts through It’s Me 247 and CU*Talk
  • Free access to thousands of surcharge-free ATMs nationwide
  • Free check copies through It’s Me 247, our online banking program
  • Free E-statements

To open your  credit union checking account, visit your nearest DMCU location, or apply for membership online today.

To easily reorder checks, click here or call 877.585.8777

DMCU’s routing & transit number is 272078297

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Rewards Checking

Get rewarded for your purchases with DMCU’s new Give Back Checking Account! Each month that you qualify, you’ll receive $10 deposited to your checking account and refunds on up to $25 of ATM fees.

Qualifications are easy! All you need to do to earn your monthly reward is:

  • Have at least 15 debit card transactions post and settle
  • Be enrolled in eStatements and online banking

And if you don’t meet the qualifications? Don’t worry! Your checking account with DMCU will always be free. To start earning rewards, call 313.568.5000 and ask a Member Service Representative for a Give Back Checking account.

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Christmas Club

Do you want to take the stress out of your holidays? Open a DMCU Christmas Club savings account. Have a specified amount automatically deposited into your Christmas Club account each month and watch your savings grow…just in time for the holidays. Each year on November 1st, your funds will be deposited into your primary savings account. And because you’ve been saving all year, your budget won’t feel a thing.

Take the stress out of holiday shopping by setting aside the funds ahead of time. With a Christmas Club Savings account, you can have a specified amount automatically deposited throughout the year which will be available for withdrawal on November 1. Watch your savings grow throughout the year just in time for the holidays.

To open your Christmas Club Savings account, visit your nearest DMCU location and ask to speak with a Member Service Representative.

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Regular & IRA Certificates of Deposit

Earn a higher rate of interest on your savings with a Certificate of Deposit (CD). Available in 6,12,18,24,36, and 60 month terms, a minimum deposit of only $200 gets you a great rate and a guaranteed return on your investment. CDs are easy, secure, and net a higher return when you invest for a longer term.

Effective Date: July 12, 2018

TermAPY*Minimum Balance
6 months0.80%$200.00
12 months1.75%$200.00
**18 months2.00%$200.00
24 months2.00%$200.00
36 months2.30%$200.00
60 months2.75%$200.00
*APY = Annual Percentage Yield

**Offer available on new deposits only; money currently on deposit at DMCU will not qualify.

To open your Certificate of Deposit, call us at 313.568.5000.

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Individual Retirement Account

Highly competitive rates and tax savings make these accounts ideal for retirement savings. They are insured up to $250,000 for added security. You can see your savings with our handy financial calculators.

Save for the future

With an IRA from DMCU you’ll get great rates as you save for your retirement. Open your IRA with any amount and make regular contributions through direct deposit, by mail or in person. NEW: You can now manage your IRA account with DMCU online by using our Retirement Central portal!

Choose the IRA that is right for you

  • Traditional IRA – With this IRA, you may qualify for a tax-deductible contribution—and that means your overall tax bill at the time of funding will be lower.
  • Roth IRA – Contributions are made with after-tax dollars. At retirement, both your contributions and the earnings may generally be taken out as tax-free withdrawals.


Account TypeDividend Rate / APY** / Dividend PaidMinimum Balance
Traditional IRA*0.50% / 0.50% / Quarterly$50.00
Roth IRA0.50% / 0.50% / Quarterly$50.00
Rollover Traditional IRA0.50% / 0.50% / Quarterly$50.00

For more information about opening your IRA call 313.568.5000.

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Business Checking Accounts


  • Checks cleared or deposited*: 0-100
  • Monthly fee:  $5.00


  • Checks cleared or deposited*:  101-250
  • Monthly fee:  $10.00


  • Checks cleared or deposited*:  251+
  • Monthly fee:  $15.00

All accounts include Online Banking, Bill Pay, eStatements, Mobile Banking & Text Alerts

If you have any questions please call us at 313.568.5000.

*Electronic transactions do not count toward this total.

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Contact Us

Detroit Main Office | 313.568.5000

CAYMC | 313.202.9388

Novi | 248.277.3628

Clawson | 248.435.0950

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Routing Number 272078297 | Copyright Ⓒ 2018 Diversified Members Credit Union
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