• 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.

Effective As Of 11/01/2022

Fees are subject to change. Please refer to the Credit Union's account disclosure information for a more detailed outline of accounts available.

Fee Schedule: Dynamic Federal Credit Union Fees at a Glance

Dynamic Federal Credit Union Fee Schedule

Christmas Club Account Fees Fee

Account Withdrawal

$5.00/Withdrawal
Checking Account Fees Fee
Copy of Check $7.00/Check
Returned Item $7.00/Item
Stop Payment $32.00/Request
Check Printing Prices may vary depending upon style

Non-Sufficient Funds (NSF) Fees:

  • Transfer Fee
  • Member Privilege
  • Returned Item

$7.00/Item

$32.00/Paid Item

$32.00/Item each time presented

Account Reopen 

$10.00/Account

If reopened within 6 months of closing
Money Market Account Fees Fee

Monthly Service Fee

$10.00/Month if minimum balance of $2000.00 is not maintained

Excessive Activity Fee

$5.00 for each withdrawal over 6 times in one month
Other Service Fees Fee
Items Sent for Collection $7.00/Item
Foreign Check Collection (Check not in USD) $60.00/Item
Wire Transfer

$25.00/Outgoing

$10.00/Incoming

$50.00/Outgoing International Wire
Teller's Check $3.00/Check
Account Reconciliation $17.00/Hour
Account Research $17.00/Hour
Statement Copy $3.00/Page
Account Activity Printout $3.00/Page
Deposited Item Return $7.00/Item
Account Reopen

$10.00/Account

If reopened within 6 months of closing

Inactive Fee:

Applies to Accounts that have been inactive for 12 months or more. Certain restrictions may apply.

 $10.00/month
Garnishment or Levy Processing

$30.00
Child Support Processing

$5.00
Bad Address $5.00/month
Notary Public Free
Payment By Phone

$15.00
Fax - Incoming/Outgoing $0.50/Page
Photocopy $0.25/Page
Prepaid Travel Card $10.00/card
Self-Serve Coin Machine Counting If amount processed at one time is over $100, a 10% fee on total amount processed
EFT Fees Fee
ATM Transactions at Non-DFCU ATM (Out of Network/Foreign ATM) & Point of Sale Transactions 5 free PIN-based (ATM or Point of Sale) transactions per month and 2 free balance inquiries per month; then $2.00/transaction or balance inquiry plus any potential fees assessed by the Out Of Network/Foreign ATM owner
ATM Transactions at DFCU ATM (Local ATM) 15 free ATM transactions per month and 15 free balance inquiries per month; then $2.00/transaction or balance inquiry
ATM Surcharge Fee $3.00/transaction for Non-Member/Foreign Card

Card Replacement:

   First Time

   More Than 2 in 60 Days

   Rush Order

$10.00/Card

$20.00/Card

$150 (Card, PIN, or Both)

Foreign (Out of Country) Transactions/ISA Fee

All foreign transactions fees are calculated based on the transaction amount after it is converted to US dollars

A fee up to 1% of each single/multiple currency transaction in US dollars will be charged to transactions processed outside the US, where the cardholder's country code differs from the merchant's country code.

Online Payment Via the Payment Portal from Non - DFCU  Account/Card

$9.95/Non-DFCU Debit Card;

$4.95/Non-DFCU Routing/Account Number, $32.00/Disputed Transaction
Non-Sufficient Funds (NSF) Fees Fee
Transfer Fee $7.00/Item
Member Privilege $32.00/Paid Item
Returned Item $32.00/Item each time presented
Bill Pay Service Fees Fee
Bill Pay Service

Free

Must be signed up for E-Statements

Non-Sufficient Funds (NSF) Fees:

   Transfer Fee

   Member Privilege

   Returned Item

$7.00/Item

$32.00/Paid Item

$32.00/Item each time presented
Inactivity over 90 days $10.00/month
Overnight Fee $19.95/Item
2nd Day Fee

$14.95 Standard

$4.95 Economy
Charitable Donation Check $1.99/Item
Gift Pay Designed Check $2.99/Item
Check Cashing Fee
Dynamic Federal Credit Union members with less than $300.00 aggregate balance in their accounts will be charged a $3.00 check cashing fee for any checks cashed under $1,500.00. For checks over $1,500.00, the fee will be $5.00. The $300.00 aggregate balance requirement includes loan, share, share draft, and certificate accounts. If you have an active checking account, the fee is waived.
All new members have three (3) months from opening date to reach the $300.00 balance. During this time, there will be no fee charged for cashing a check. Check cashing fee not applicable to members under the age of 18 years or High School Students.
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