How does the Cash Back Program work?

DFCU Financial's Cash Back Program pays eligible members an annual cash reward based on their account activity and balances. As a member-owned credit union, DFCU Financial shares its financial success directly with members — not with shareholders. The Cash Back Program has paid out every year since 2007. To qualify, members must be in good standing; the annual payout is deposited directly into your account. Business members are subject to additional terms. Payments are capped at $10,000 per tax-reported owner annually.*

How do I become a member of DFCU Financial?

Becoming a DFCU Financial member is straightforward. Membership is open to eligible individuals, and you can apply online, by phone, or at any branch. To join, you'll open a savings account with a minimum deposit, which establishes your ownership stake in the credit union. As a member, you gain access to all personal and business products and services – plus the annual Cash Back Program. Visit dfcufinancial.com or call 888.336.2700 to get started.

Member Banking That Gives Back

Q: Can I hold both business and personal accounts?

Yes. DFCU Financial members can hold both personal and business accounts under one membership. Your personal accounts – including Cash Back Checking – and your business accounts, such as Business Checking or a Business Line of Credit, are all accessible through the same online and mobile banking platform. This makes it easy to manage your full financial picture in one place.

Q: Is DFCU Financial federally insured?

Yes. DFCU Financial is federally insured by the National Credit Union Administration (NCUA), a U.S. government agency. Member deposits are insured up to at least $250,000 per account, backed by the full faith and credit of the United States government. NCUA insurance is the credit union equivalent of FDIC insurance – your money is just as protected. Members can use the NCUA Share Insurance Estimator at mycreditunion.gov to calculate their specific coverage.

Q: Where are DFCU Financial branches located?

DFCU Financial serves members across Michigan and Florida, with branches in communities including the greater Detroit area, Ann Arbor, Lansing, Brighton, and additional locations throughout the state, as well as branches in the Tampa Bay area, Fort Myers, Naples, Orlando, and surrounding communities. Members also have access to more than 1,700 ATMs in Michigan and over 30,000 ATMs nationwide through the Co-op ATM network. Use the branch locator at dfcufinancial.com to find the location nearest you.

Earn Cash Back on everyday purchases – and enjoy better rates, local service, and digital tools built for members in Central and Southern Florida.

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Member Banking That Gives Back

Earn Cash Back on everyday purchases – and enjoy better rates, local service, and digital tools built for members nationwide.

Become a Member

About Us

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Frequently Asked Questions

What is DFCU Financial Cash Back?

Cash Back is DFCU Financial’s way of sharing profits directly with the members who make the credit union strong. Each year, eligible members receive a deposit straight into their account — no application, no redemption, no catch. DFCU Financial has paid Cash Back every year since 2007, returning more than $511 million to members over 20 years.

Am I eligible for Cash Back?

Eligibility depends on your age (as of December 31 of the prior year) and your average yearly loan and/or deposit balance with DFCU Financial:

Members 26 and older: average yearly balance of at least $5,000
Members 18–25: average yearly balance of at least $1,000
Members 0–17: average yearly balance of at least $100

You must also be a member on the Cash Back deposit date to receive your payout.

Becoming a DFCU member is straightforward. Membership is open to anyone who lives, works, or goes to school in Michigan’s Lower Peninsula or in 15 Florida counties from Tampa Bay through Central Florida. As a member, you gain access to all personal and business products and services – plus the annual Cash Back program. Join today or call 888.336.2700 to get started.

Yes. DFCU members can hold both personal and business accounts under one membership. Your personal accounts – including Cash Back Checking – and your business accounts, such as Business Checking or a Business Line of Credit, are all accessible through the same online and mobile banking platform. This makes it easy to manage your full financial picture in one place.

Yes. DFCU is federally insured by the National Credit Union Administration (NCUA), a U.S. government agency. Member deposits are insured up to at least $250,000 per account, backed by the full faith and credit of the United States government. NCUA insurance is the credit union equivalent of FDIC insurance – your money is just as protected. Members can use the NCUA Share Insurance Estimator at mycreditunion.gov to calculate their specific coverage.

DFCU serves members across Michigan and Florida, with branches in communities including the greater Detroit area, Ann Arbor, Lansing, Brighton, and additional locations throughout the state, as well as branches in the Tampa Bay area, Fort Myers, Naples, Orlando, and surrounding communities. Members also have access to more than 1,700+ ATMs in Michigan, 1,200+ ATMs in Florida, and more than 30,000 ATMs nationwide. Use the branch locator to find the location nearest you.