• 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.

Pay Online

We now accept online payments

This service is offered specifically to accommodate members who need to make a loan payment using another financial institution. This service is not designed for Dynamic FCU members making payments from their Dynamic FCU account to their Dynamic FCU loan. Payments from a DFCU account are free of charge and can be managed through online banking, or our mobile app and posted immediately. 

WAYS TO PAY

Pay from another Financial Institution Account or Card:

Payments received after 4:30pm may be credited to your loan the following business day.

You may pay your Dynamic FCU loans from another financial institution using your VISA® ATM/Debit Card or your MasterCard® ATM/Debit Card. 


You can pay your Dynamic FCU loans by simply responding to a DFCU text message, clicking a DFCU email hyperlink or tapping a button on your Smartphone.  There is no mobile app to download or need to login online.


  • Payments can be set-up as a one-time payment or automatic recurring payments.
  • A non-refundable convenience fee of $9.95 will be charged for payments made by another financial institution’s debit card, or a non-refundable convenience fee of $4.95 will be charged for payments made by another financial institution’s routing and account number. 
  • Any disputed transaction or returned item will be charged a $32.00 fee per transaction.
  • A payment reversal from your loan may also result in a late fee (Refer to your loan agreement for details on late payments).
  • Please retain a copy of the delivered receipt page or email as confirmation of the approved transaction.
  • The maximum payment amount is $3,000.00.
  • Credit cards, Discover cards, or American Express cards are not accepted.

In-Branch

Night-Drop 

Traditional Mail

Transfers from Dynamic FCU Accounts 

ACH Payments from Another Financial Institution

Shared Branching 

What if I can’t make my loan payment on time?

  • Visit a Dynamic FCU branch with your cash or check payment. There is no charge for this service.
  • Our branch deposit box is a safe and secure way of making your “after hours” deposits. After hours deposits are posted each business day morning. There is no charge for this service.
  • Use our secure online banking service to transfer your Dynamic FCU loan payment from your Dynamic FCU checking or savings account. You can even set this transfer to take place automatically every month. There is no charge for this service.
  • If you prefer to have automatic and recurring monthly payments sent to us from another financial institution, please call 419-586-5522 ext. 1110 and we can get the process started for you using “ACH Origination”. There is no charge for this service
  • Do you have a loan payment at another credit union or have funds at another credit union that you would like to transfer to Dynamic FCU? If your other financial institution participates in [shared branching] you can transfer the funds from one credit union to another at our branch. There is no charge for this service.
  • It is always best to contact us so we are aware of the problem and are able to work with you the best we can.
  • Mail loan payment checks to 900 E. Wayne Street, Celina, OH 45822. Please include your name and loan number with suffix. There is no charge for this service.
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