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Regular Savings

Regular Savings


Your relationship with us starts here. A Regular Savings is your door to membership and all the products and services Downey Federal Credit Union offers.

  • Only $5 needed to open and maintain your account
  • No monthly fee
  • Earns APY+ on balances of $100 or more
  • Easy access to your cash at over CO-OP surcharge-free ATMs
  • Use as collateral for a Share-secured Loan
  • Federally insured by the National Credit Union Administration (NCUA)
Become a Member
Interested in a Regular Savings Account?

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  • No dividends for balances under $100; earns dividends when your balance exceeds $100
  • Dividends compounded daily and paid quarterly
  • Subject to Regulation D (6 withdrawals per month, including overdraft, without a signature)
  • Available for businesses with a business license and Tax ID number
  • One-time $7 Membership-Fee ($5 is donated to a local charitable organization)
  • $5 minimum deposit to open
  • No monthly fee
  • If account is inactive for 12 months, a monthly dormancy fee of $3 will be charged
  • $25 Non-sufficient Funds Fee (NSF)


+APY as of 06/13/25