Savings

and

Checking

Accounts

DOY Savings Accounts

DOY savings rates consistently outperform other financial institutions, giving members higher returns without the complexity of CDs.

All savings accounts are federally insured by the NCUA, ensuring security with no losses on insured deposits. Members can withdraw funds anytime without penalties, offering complete flexibility.

Dividends (interest rates) are set quarterly by the Board of Directors. Check the latest rates below and see how DOY helps you grow your savings.

Checking that Earns

DOY Checking offers members a smart, interest-earning option for primary or secondary accounts, allowing them to earn interest until checks are cashed. Enjoy free checks with your first order, no monthly fees with a $200 minimum average balance, and interest earnings with a $400 minimum average balance.

Cost Saving Benefits

FREE CHECKS –

DOY supplies the first order of checks free of charge.

NO MONTHLY FEE –

If you maintain a minimum average balance of $200, there are no monthly fees.

Earnings and Protection

INTEREST BEARING –

If you maintain a minimum average of $400, you earn 3rd Tier Interest Rates.

OVERDRAFT PROTECTION –

DOY has a great program to protect its members from having a check returned NSF.

Transaction Access

CHECK CASHING –
Only checking account members can conduct cash transactions.

Dividend Rates

DOY makes accessing your funds easy, no matter where you are. Our secure mailout withdrawal program ensures safe transactions for members across our six-county service area. Plus, with DOY’s Audio Teller, you can make withdrawals anytime—24/7, giving you convenient access to your money whenever you need it.

Audio Teller - 24/7 Audio Access

DOY members can manage their accounts anytime by calling 330-744-3DOY (3369).

Account Management

Stay on top of your finances with ease—get real-time updates on your account balance, so you're never left guessing. Effortlessly review your recent checking transactions and keep tabs on your spending. Need to know if a payment has cleared? Our dashboard provides instant clarity, putting peace of mind right at your fingertips.