Digital Federal Credit Union offers a wide variety of personal deposit accounts. These accounts include:

• Free checking with different benefit levels
• HSA checking
• Primary savings
• Money market savings
• Ltd. savings
• Holiday Savings Club
• Regular CDs with terms from 3 to 60 months
• Jumbo CDs from 3 to 60 months
• Jump-Up CDs with a 15-month and 27-month term
• QuickStart CDs from 3 to 60 months
• Loans and credit cards
• Business accounts and lending options

The Primary savings account offers competitive interest rates. For the first $1,000, you earn over a six percent interest rate. Any amount over $1,000 earns a lower rate of 0.25 percent. Between the two rates, the account earns competitive interest rates. The Primary savings account is the account you must open to become a member of DCU.

You can open all DCU accounts online. You do not need to visit a branch location to open the accounts. To open DCU accounts, you must be at least 18 years old. You must provide a government-issued ID and Social Security Number. Your address, phone number, and date of birth are also required.

The highest amount required to open a DCU checking or savings account is only $5. To earn interest for some accounts requires a larger balance. The CDs require $100 or $500, depending on the CD. Jumbo CDs require $25,000. DCU accounts do not have monthly fees or a required amount to keep in the account to avoid a fee.

To open an account with DCU, you must become a member of the credit union. You become a member by opening the Primary savings account with at least $5. Once you open that account and become a member, you can open any other DCU account.

The DCU money market account has tiered interest rates. To earn the most competitive interest rates requires a balance of at least $100,000. Lower balances earn interest, just not the highest rate.

The Ltd. savings account requires a balance of $25,000 to earn any interest. Any balance over $25,000 earns the most competitive rate, but balances below do not earn any interest.

Only one withdrawal is allowed per month from the Ltd. savings account. For every other withdrawal, there is a fee of $25. To earn interest on this account requires a balance of $25,000. There is no required amount to open the account.

Read the full DCU review.

The Dividend Rewards checking account earns competitive interest rates. To earn the most competitive rate has some requirements. You must have 12 debit card purchases each month and have one direct deposit or ACH withdrawal. You must also receive electronic statements. The competitive rate is for any balance from $0.01 to $15,000. Balances over $15,000 earns a lower rate.

First Tech savings and checking accounts do not have monthly fees. There is no minimum balance required to keep in the account to waive the monthly fees. These accounts are free.

The CDs offered through First Tech offer good interest rates. The terms range from six-month to 60-month terms. Each of the terms earns rates slightly lower than other online CDs. Each traditional CD term requires $500 to open.

First Tech has low required amounts to open their accounts. The checking accounts require $0.01 to open. Two of the savings accounts require $0.01 or $5.00 to open. Each of the CD terms requires $500 to open.

To open an account with First Tech, you must be a member of the credit union. You are eligible to be a member if you work for certain tech companies or the state of Oregon. If you live or work in Lane County, Oregon, you are eligible. Immediate family members of members are eligible. You can also become a member by joining the Computer History Museum or the Financial Fitness Association.

The Instant Access savings account with First Tech has tiered interest rates. To earn the most competitive rate, you must have a balance over $250,000. Lower account balances earn interest, just not the most competitive rate.

The Instant Access savings account has a high opening required amount. To open the account requires $5,000. There is no monthly fee for this account. Interest rates for the Instant Access account are tiered.

First Tech members can only withdraw $500 per day, per cardholder, from First Tech ATMs. Other ATMs may allow for a higher withdrawal, but you may face a fee. If you need more than $500 at one time, visit a branch location.

Read the full First Tech Federal Credit Union review.