• 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.

Membership eligibility requirements apply. Offers and terms are subject to change.

Credit Card Rates as Low as 10.90%–12.90% APR*

Make your holiday purchases with a card designed to keep more money in your pocket. A Dynamic FCU credit card offers a lower-rate alternative to many high-interest store cards - helping you enjoy the season without carrying unnecessary debt into 2027.


Use your Dynamic Platinum Rewards Credit Card for everyday and holiday purchases and earn rewards along the way. Redeem your rewards for cash back, fuel discounts, travel experiences, merchandise and more.


Your Platinum Credit Card rewards experience is getting even better, too. Stay tuned for updates on Dynamic FCU's enhanced rewards program!

*APR = Annual Percentage Rate. Rates range from 10.90%–12.90% APR. Some exclusions apply. Rate and term are based on past credit performance. See credit union for complete details.

MAKE THE HOLIDAYS MORE REWARDING & CELEBRATE YEAR-END FINANCIAL WELLNESS

From getting your home holiday-ready to making seasonal spending a little easier, Dynamic Federal Credit Union is here to help you make smart money moves this holiday season.

*APR = Annual Percentage Rate. Loans must be closed by 12/31/26. Maximum $650 in fees waived. 3-year fixed rate, 5-year draw period and 10-year repayment period. No annual fee or per-advance fee. Line of credit available up to 80% of equity value. Floor rate is 4.00%; maximum rate is 17.00%. Rates and terms are subject to credit approval. See credit union for complete details.

HOME FOR THE HOLIDAYS

HELOC Rates as Low as 6.00% APR* + Closing Costs Waived

Planning home improvements before the holidays or looking ahead to projects in the new year? Put the equity in your home to work with a Dynamic FCU Home Equity Line of Credit.


Enjoy the flexibility to borrow what you need, when you need it, with rates as low as 6.00% APR and up to $650 in closing costs waived. Loans must close by 12/31/26.

HOLIDAY SHOPPING WITHOUT HOLIDAY REGRET

NEED A LITTLE EXTRA ROOM IN YOUR BUDGET?

Skip-A-Pay

The holidays can put extra pressure on your monthly budget. Eligible Dynamic FCU members can skip a qualifying loan payment and use that extra breathing room for the things that matter most this season.

Membership eligibility requirements apply. Offers and terms are subject to change.