Latest News
- Consolidate your debt! We have great rates on a personal line of credit as low as 6.5% APR! Rates are based on credit. See credit uniion for details. For 77 years we have been helping our members consolidate debt, reduce their interest rates and lower their payments! Apply online for your own personal line of credit today!
- Sallie Mae and your credit union have partnered in order to offer you private student loans. Click here to learn more or apply!
- Looking for "Surcharge Free ATMS" close to your home or work?Click here! And remember you can get cash back for FREE at many merchants in the area.
Savings Products
You can reach your goals when you save money. No matter what you are saving for, the Dayton Firefighters Federal Credit Union can help you along the way. We have several options for you to choose. The Regular Savings Account establishes credit union membership. Once opened, members may utilize other products and services. Direct Deposit allows you to save without having to think about it.
Regular Savings Accounts
- Minimum opening balance is $5; $50 within ten months
- Dividends:
- Are earned on the days that the account balance is $50 or greater
- Are paid quarterly using the daily balance method
- NCUA insured up to $250,000
- Access to your account 24/7 via Online Banking and H.A.L.
- Online E-Statement of account
Secondary Savings
With a Secondary Savings Account, you can accumulate funds for special purposes such as saving for tuition, Christmas, insurance, weddings, etc. With direct deposit you can make saving for just about any goal easy and effortless.- Access to your account 24/7 via Online Banking and H.A.L.
- Direct Deposit can be distributed into any account
- Online E-Statement of account
Money Market Accounts
If you want to earn more money on your savings, but need easy access to your account, a Money Market Account is perfect. The Money Market account features convenient access to funds and current market rates without locking funds in for a specific term.- Access to your account 24/7 via Online Banking and H.A.L.
- Minimum opening balance is $2,500
- Dividends:
- Are subject to change monthly
- Are earned on the days that the account balance is $2,500 or greater
- Are paid monthly using the daily balance method
- Rates are tiered so the greater the balance the higher the rate ($2,500-$9,999; $10,000-24,999; $25,000-$49,999; $50,000-$99,999; $100,000 and greater)
- A minimum balance fee of $25 applies if the balance falls below $2,500 during the month
- Withdrawals are limited to 6 per month; three of which can be checks (in compliance with Reg. D)
- Online E-Statement of account
Money Market Share Certificates
Share certificates allow you the best return on your money. This is a perfect option if you do not need access to your money, but desire a greater return. Share Certificates feature a fixed-rate for a stated term. This account pays our highest dividend rate but withdrawal of funds prior to maturity results in a penalty.- Access to view your account 24/7 via Online Banking and H.A.L.
- Minimum balances
- $2,000 - 1 and 2 year terms
- $10,000 - 6 month 1, 2, 3, 4 and 5 year terms
- Rates based on the term and amount of the certificate
- Monthly dividends are transferred to the Share Savings account unless otherwise directed by the member to a different account
- Certificates automatically renew, notice is mailed to the member prior to maturity
- Early withdrawal penalties apply and are based on Share Certificate term
- Terms of 24 months or less; all dividends earned (up to 90 days dividends); with a minimum of 7 days dividends for withdrawals made within the first 7 days
- Terms greater than 24 months; 2% of the principal balance in the account at the time of the withdrawal; penalty applies even if the dividends have not been earned. Penalty will be deducted from the principal.
- Online E-Statement of account
Sparky Savers Kids Club
Parents and Grandparents, introduce your kids to a fun way to learn the importance of saving. The Sparky Savers Kids Club is just for kids through age 12 and is a great way for them to learn all about money.- Access to your account 24/7 via Online Banking and H.A.L.
- Eligible children are 12 years of age or younger
- Requires a joint owner
- Sparky Savers Club has fun activities and offers great savings ideas to youth
- Each Sparky deposit is rewarded with small treasure gifts such as stickers and pencils
- Minimum opening balance is $5
- Dividends:
- Are earned on the days that the account balance is $50 or greater
- Are paid quarterly using the daily balance method
- Online E-Statement of account
