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

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.

Savings Accounts
Effective Date: February 22, 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 Club0.35% / 0.35% / 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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DMCU 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 DMCU 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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Kasasa. An opportunity to benefit the most from your hard-earned money. Kasasa gives you free checking accounts with exceptional rewards. All with the personal service that you have come to expect from Diversified Members Credit Union.

With Kasasa You Always Get:

  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking and bill pay
  • Free debit card

We offer four ways to personalize your Kasasa experience:

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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 6,12,24,36, 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: February 22, 2017

TermAPY*Minimum Balance
6 months0.65%$200.00
12 months1.25%$200.00
24 months1.50%$200.00
36 months1.75%$200.00
60 months2.10%$200.00
*APY = Annual Percentage Yield

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.

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$5.00
Roth IRA0.50% / 0.50% / Quarterly$5.00
Rollover Traditional IRA0.50% / 0.50% / Quarterly$5.00

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:  $100.0


  • 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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Apply for a Loan
Kasasa Rewards Checking
Become A Member
Contact Us

Detroit Main Office | 313.568.5000

CAYMC | 313.202.9388

Novi | 248.277.3628

Clawson | 248.435.0950

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Member Discounts

Routing Number 272078297 | Copyright Ⓒ 2017 Diversified Members Credit Union

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