Dynamic Federal Credit Union | Accessibility

Share/Savings
Your membership to Dynamic Federal Credit Union starts here! When you open your savings account (principal share), you become a member and owner of Dynamic FCU. The funds you deposit into this account are considered your “shares” in the credit union. This gives you a voice in the credit union’s decisions and allows you to participate in our cooperative.

Whether you are planning for short-term goals like saving for Christmas, an upcoming vacation, or annual home expenses… or long-term goals like your child’s first vehicle or college… our various savings accounts have you covered!

A minimum balance requirement of $5.00 is all you need to open your new:

Principal Share
- ATM card available with a principal share account.
Christmas Club
- Save all year for your Christmas shopping.
Subsidiary Share – Vacation, Escrow, etc.
- Budget savings accounts can be set up to help you achieve your financial goals.
Student Share
- Perfect for the child in your life… help them reach for the stars with this high-yield savings account!
Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

Share Certificate Accounts
Looking to earn some extra cash on your savings? Our Share Certificates are the perfect option to store some of your extra money. Our flexible term options allow you to choose a product that best fits your financial goals. Are you needing your money sooner rather than later? Choose a shorter term. Able to invest longer? Take advantage of the higher rate of return on our longer-termed Share Certificates.

All terms require a minimum deposit of $500:
- 6 month
- 12 month
- 18 month
- 24 month
Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

Health Savings Accounts
A Health Savings Account (HSA) is more than just a savings account for medical expenses. As the cost of healthcare rises, an HSA gives you some control over your medical spending. If you have a High-Deductible Health Plan (HDHP), you are eligible to open an HSA to help you pay for deductible health expenses and other out-of-pocket medical costs while you save for future medical expenses.

Please consult your tax advisor to ensure you are eligible and to discuss the tax guidelines.

HSA accounts have many benefits:
- Dividends are earned tax-free.
- You can deduct contributions that you make to your HSA on your federal income tax return.
- Any HSA contributions made through payroll deduction reduce your federal income tax liability and Social Security and Medicare taxes.
- Earnings in your HSA grow tax-deferred.
- HSA distributions that you use to pay for qualified medical expenses are tax-free.
- You are in charge of your HSA assets.
- You can withdraw money for medical expenses at any time.
- You can carry over your HSA balance from year to year.
- You own the HSA and can take it with you even if you change health plans or employers.
Access your Dynamic HSA with an HSA MasterCard Debit Card and HSA checks.

Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

Share by: