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Share Savings

Your Share account is your basic relationship with your credit union. A Share account is required in order to gain membership in the Credit Union and also must be in place before any additional accounts may be opened. Think of your Share account as more than a Savings account, but rather as your gateway to a whole array of great Credit Union offerings!

Your Share account is basically a savings account, but also represents your "share" of Credit Union ownership. A minimum initial investment/deposit of at least $25 is required in order to open a Share account, along with a $1 membership fee. The first $25 of this investment is not available for withdrawal until or unless you relinquish credit union membership, but it does show as a balance in your Share account and earns you interest (or a ‘dividend' in credit union terminology), so long as your average daily balance exceeds $50.

Your Share account is a great vehicle to help you save, however, limited transactional ability is permitted as well. ATM cards may be issued on your Share account, and you may establish auto pay arrangements with billers that offer this service. You may also set up direct deposit of payroll, pension or government benefits, and you have full access to our On Line Banking Service, including eStatements, at no charge! Share accounts are, however, limited to six electronic withdrawals per month (excluding cash withdrawals at the teller window) and so if your transactional needs exceed this limit, you may want to consider opening a Share Draft account.


All of your funds on deposit with Delta County Federal Credit Union are federally insured for up to $250,000 by NCUA.

For a side by side comparison of our account offerings, click here.

To get a jump on the application process, click here, fill out and print the application, and bring it to one of our offices, along with your opening deposit and identification. If your identification does not have a current address, please provide proof of residency (utility bill, mortgage statement, renter's insurance policy, etc.). For details of account opening requirements please click here.

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