Platinum Savings: Elevate Your Savings
Your loyalty deserves more. With Platinum Savings, you’ll earn high interest rates up to 2.85% APY*—while keeping full access to your funds whenever you need them. It’s the perfect blend of flexibility, security, and reward for dedicated DFCU members.
Rate Tiers & Benefits
$0 - $9,999
$10,000 - $99,999
$100,000 - $1,000,000
Exclusive Savings for Dedicated Members
Platinum Savings is built to recognize your long-term commitment. Unlike traditional accounts, it delivers premium yields while you retain access to your money.
Tiered rates up to 2.85% APY
On balances over $100,000
No withdrawal restrictions
Your funds remain liquid and available
Rates adjust with the market to stay competitive
Unlock Premium Rates Through Membership Dedication
Platinum Savings is a benefit reserved for members who’ve demonstrated trust and consistency with DFCU. Eligibility is simple but meaningful—just the way membership should be.
To qualify, you’ll need at least one year of DFCU membership, a $10,000 average balance maintained over the past 12 months, and a $10,000 minimum opening deposit. Once opened, you’ll have seamless access to your funds through online, mobile, and in-branch banking.
Your loyalty opens the door to exclusive returns and priority-level savings treatment.
How It Works
The DFCU Platinum Savings Account gives you the best of both worlds: strong returns and complete liquidity. Your deposits are placed securely with FDIC-insured banks and NCUA-insured credit unions, while all account management remains directly through DFCU—your trusted financial partner.
Deposits may occasionally be limited based on program capacity, but your funds are always available for transfer into other DFCU products or for personal use. It’s a savings solution that grows with your needs while keeping your money close at hand.
Account Details
Your funds will be housed in FDIC insured banks or NCUA insured credit unions but you access them through Deseret First. Below is the allocation percentage of your funds to the receiving financial institutions.
- Gesa Credit Union (24%)
- Western Alliance Bank (24%)
- Peapack Gladstone Bank (24%)
- Citizens Bank (24%)
- First Business Bank (4%)
Your Membership Has Earned Premium Treatment
By maintaining $10,000+ for a year, you’ve proven your commitment. Platinum Savings rewards that loyalty with some our best rates—no long-term commitments, no penalties, just higher earnings.
Select Employer Groups
DFCU partnered organizations receive discounted rates. Check to see if you’re employed by one to claim benefits.
*APY = Annual Percentage Yield. Rates are tiered and subject to change. Minimum opening deposit: $10,000. One-year membership and $10,000 average balance required. Fees may reduce earnings. Funds insured through FDIC partner banks and NCUA credit unions. Access remains through DFCU digital and branch channels.