Membership EligibilityJoin a Credit Union That Pays You Back
Being a DFCU Financial member comes with real perks and benefits – from annual Cash Back* rewards to free financial guidance and member-only discounts. Discover membership built to help you keep more of your money and get more out of every account. Open to residents in Michigan’s Lower Peninsula.
Perks That Come Standard With Membership
Cash Back
Every year members receive a Cash Back loyalty reward based on their average loan and deposit balances.
Free Guidance
Members get expert guidance for financial decisions, big and small, both in person and online.
Bank Anywhere
Manage your money with online and mobile banking for deposits, transfers, bill pay, and balance checks.
Fee-Free ATMs
Get access to nearly 35,000 fee-free ATMs nationwide through the CO-OP Network.
Simple, Secure Check Ordering
Skip the branch and get the checks you need fast – log in to your account to reorder online anytime, from anywhere. First time ordering checks? Stop by your local branch.
Get Paid Faster With Direct Deposit
Automatically deposit your paycheck, benefits, or other income so your money is available when you need it.
Your Home Has
More to Give
Use your home’s equity when you need it, with flexible access and competitive rates that work for you.
Membership at a Glance
Membership with DFCU is easier and closer than you think.
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Who Can Join: Anyone who lives, works, or worships in Michigan’s Lower Peninsula or in eligible counties across Florida’s Tampa Bay, Southwest, and Central regions.
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What It Costs to Join: A small minimum share deposit opens your membership.
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What You Get: Cash Back loyalty rewards, free financial guidance, more than 35,000 fee-free ATMs, and member-only discounts.
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How Long It Takes: Most people can apply online in minutes!
How to Become a Member
Joining takes three simple steps.
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Apply online, by phone, or at a branch. Tell us a little about yourself so we can confirm your eligibility.
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Open your share savings account. This account represents your ownership in the credit union and unlocks every other product and perk.
- Start using your membership. Add a Cash Back Checking account, apply for a loan, or set up online and mobile access.
Member Perks Beyond Banking
Save more with member-only discounts. Current member discounts include:
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Discounted optical care through RxOptical VisionAdvantage.
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A 20% discount from Trust & Will, the leader in online estate planning.
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Up to $15 in savings on TurboTax.
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Insurance discounts on auto, home, and more.
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Free notary services (a $10 fee for non-members).
Frequently Asked Questions
Cash Back is the perk that sets DFCU Financial apart. Every year, qualified members receive a Cash Back loyalty reward based on their average loan and deposit balances – no extra steps, no rewards tiers to track, no hoops to jump through.*
- Earned automatically on qualifying loan and deposit balances.
- Paid annually to eligible members.
- Commercial/Business banking members subject to additional terms.
Big financial decisions deserve real conversations, not guesswork. Our members get personalized guidance from experts for both business and personal financial decisions.
- Personalized financial evaluations at no cost.
- One-on-one consultations with local specialists.
- Free educational seminars on topics like homebuying, retirement, and credit.
DFCU Online and the DFCU Mobile app let you check balances, deposit checks, transfer money, and pay bills from anywhere, day or night. Enroll in DFCU Online Banking and download the DFCU Mobile App to get started.
DFCU Financial members have access to ATMs at local branches and at 1,700 fee-free ATMs in Michigan and more than 35,000 nationwide through the CO-OP Network. Find your local branch or a CO-OP ATM.
