SHARE SAVINGS

Membership Application

Your Share Savings account represents your basic membership account. You can open a Share Savings account with an initial deposit of just $10. To maintain your membership, $10 must be kept on deposit.

You earn dividends on your Share Savings account each day that your account balance is $500 or above. Dividend rates are tiered, with higher rates at the $2,500, $10,000, and $25,000 levels. Dividends on your Share Savings account are calculated based upon the daily balance, and are paid and compounded quarterly. Rates paid during the most recent quarter, or those anticipated for the current quarter, are availabe in the savings rates section.

You can avoid a $2.50 monthly service fee on your Share Savings account if you meet any of the following conditions:

1. Maintain a Share Savings account balance of at least $100
2. Have $1,000 on deposit in a Money Market Plus account
3. Arrange for Direct Deposit or Payroll Deduction of at least $400 per month from your paycheck or other recurring payment into your DFECU account
4. Are under the age of 19
5. Join our "Golden VIP Club" (for members aged 55 and above, or 50 if totally disabled).

Your savings are insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.