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. DECU’s Owner Participation Account (OPA) annually distributes any excess earnings to our members in the form of additional interest on earnings (and rebates on loan interest). So, the more you deposit, the more you get back at the end of the year!