Savings Rates

Deseret First appreciates each of its members. Rates and fees may not necessarily be the same for both standard and loyalty* accounts.

*  Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's Primary Financial Institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.

Truth-In-Savings and Fee Schedule»

Savings Accounts Apply  |  Email  |  800-326-3328
Type	Min. Deposit	Dividend Rate	APY
Membership Savings	$25.00	0.25%	0.25%
YouthCents Account	$5.00	0.25%	0.25%
Special Savings	$0.00	0.25%	0.25%
IRA Savings	$0.00	0.45%	0.45%
Everyone that becomes a member of Deseret First starts with a Membership Savings account. This accounts gives you membership, ownership and voting rights. How to earn more »

Checking Accounts Apply  |  Email  |  800-326-3328
Type	Balance	Dividend Rate	APY
Regular Checking
		0.00%	0.00%
Rewards Checking
Bonus Rate (Qualifications met)**	$0.00 - $24,999.00	1.00%	1.00%
Second Tiered Rate (Qualifications met)**	$25,000.00 +	0.30%	0.30%
Base Rate (Qualifications NOT met)		0.20%	0.20%
**(1) At Least 1 Payroll/Retirement Direct Deposit, (2) At least 10 debit card purchases, (3) Accept monthly eStatements from www.dfcu.com, and (4) Valid Email Address.

Share Certificate (CD) Accounts - Traditional & IRA Apply  |  Email  |  800-326-3328
Type	Term	Standard		Loyalty*
		Dividend Rate	APY	Dividend Rate	APY
Regular
	3-5 Months	0.20%	0.20%	0.30%	0.30%
	6-11 Months	0.25%	0.25%	0.60%	0.60%
	12-23 Months	0.35%	0.35%	0.75%	0.75%
	24-35 Months	0.80%	0.80%	1.24%	1.25%
	36-47 Months	1.39%	1.40%	1.78%	1.80%
	48-59 Months	1.64%	1.65%	2.08%	2.10%
	60+ Months	2.47%	2.50%	2.81%	2.85%
Jumbo > $75,000
	6-11 Months	0.25%	0.25%	0.60%	0.60%
	12-23 Months	0.35%	0.35%	0.75%	0.75%
	24-35 Months	0.80%	0.80%	1.24%	1.25%
	36-47 Months	1.39%	1.40%	1.78%	1.80%
	48-59 Months	1.64%	1.65%	2.08%	2.10%
	60+ Month	2.47%	2.50%	2.81%	2.85%
*  Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's primary financial institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.

Premier Share Certificate (CD) Account Apply  |  Email  |  800-326-3328
	Balance	Dividend Rate	APY	(2-year t-bill Rate as of the 20th of the prev. month)
Tier 1	$0.00 - $999.00	0.00%	0.00%
Tier 2	$1,000.00 - $19,999.00	0.00%	0.00%
Tier 3	$20,000.00 - $49,999.00	0.11%	0.11%
Tier 4	$50,000.00 - $99,999.00	0.36%	0.36%
Tier 5	$100,000.00 +	0.61%	0.61%
The Premier CD is a hybrid product that gives rates that are indexed to the 2-Year T-Bill, but like a money market, your money isn't tied up for longer periods of time because there is no penalty for withdrawing money during the first three business days of each quarter.

Money Market Accounts Apply  |  Email  |  800-326-3328
Type	Balance Tier	Standard		Loyalty*
		Dividend Rate	APY	Dividend Rate	APY
Regular
	$0.00 - $2,499.00	0.00%	0.00%	0.10%	0.10%
	$2,500.00 - $19,999.00	0.10%	0.10%	0.40%	0.40%
	$20,000.00 - $99,999.00	0.30%	0.30%	0.60%	0.60%
	$100,000.00 +	0.40%	0.40%	0.70%	0.70%
Jumbo
	$0.00 - $99,999.00	0.05%	0.05%	0.40%	0.40%
	$100,000.00 - $249,999.00	0.40%	0.40%	0.70%	0.70%
	$250,000.00 - $499,999.00	0.40%	0.40%	0.70%	0.70%
	$500,000.00 - $999,999.00	0.40%	0.40%	0.70%	0.70%
	$1,000,000.00 +	0.40%	0.40%	0.70%	0.70%
*  Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's primary financial institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.