Watch your savings grow.

When you choose to save with your credit union, you’re not just saving; you’re participating. That’s why your savings account is actually called a share account. Every member starts with a share account to establish membership, often with an initial deposit of as little as $25.

Because we are a member-owned institution, we are able to pay higher returns on deposits, charge lower rates on loans, and even offer members a unique opportunity to share in the financial success of their credit union. Deere Employees Credit Union’s (DECU) Owner Participation Account Rebate annually distributes any excess earnings to our members in the form of additional interest on earnings (and rebates on loan interest).

Money Market Account

An account with no balance requirement that earns a return and lets you get to your money.

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Features and requirements

  • No minimum balance required to open
  • Average daily balance not required
  • Tiered dividends earned
  • Unlimited withdrawals
  • No monthly fee

High Yield Savings

An account where larger deposits mean larger returns.

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Features and requirements

Health Savings Account

An account that can help you stay healthy and pay for medical expenses.

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Features and requirements

  • To be eligible for a HSA, you must be covered by a High Deductible Health Plan (HDHP)*
  • No minimum balance required
  • Average daily balance not required
  • Earns dividends
  • Earnings are tax deferred
  • You pay no taxes** on money used for qualifying expenses
  • Unlimited withdrawals
  • No monthly fee

*A HDHP is considered HSA-compatible if it satisfies annual deductible and out-of-pocket expense limits. Check with your health insurance provider to see if your plan qualifies.

**Please consult with your tax advisor.

Certificate

An account that lets you save more when you commit to a longer term.

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Feature and requirements

  • The minimum deposit to start a certificate is $500
  • The minimum deposit to start a three-month certificate is $5,000
  • Early withdrawal penalty for all certificates, depending on term
  • Maturity dates starting at 3 months from date of deposit to 60 months
  • Dividends are compounded and paid quarterly

Use these calculators to decide what savings account is best for you.

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