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Coverdell ESA

Give them a head start

Coverdell ESA

Give them a head start

A savings account that is set up to pay the qualified education expenses of a designated beneficiary under 18.


  • Open a Coverdell ESA Share with $25 with no fixed term
  • Deposits up to $2,000 per calendar year
  • No penalty from Credit Union for withdrawals (IRS penalties may still apply)
  • No maintenance fee.
  • Rates vary. See rates page.


  • Open a Coverdell ESA Certificate with $500 to start at a fixed term
  • Certificates will automatically roll over at maturity, with the same term and current rate unless member request different
  • Deposits are tax-deferred, and limited to $2,000 per calendar year
  • Subject to early withdrawal penalties (IRS penalties may also apply)
  • No maintenance fees
  • Rates based on Certificate term, see below.
Interested in Coverdell ESA?

Simply provide your name and phone number and we’ll give you a call.

Call Request Form - Mobile

Or call us at 562.862.8141

Coverdell ESA Certificate Rates
Term Dividend Rate* APY+
12 months
18 months
24 months
36 months
48 months
60 months
Open a Coverdell ESA


If you are already a DFCU member, simply call 562.862.8141 or email to open this account.


If you aren’t a DFCU member yet, visit our branch to open this account.

  • $100 minimum to earn dividends
  • Dividends compounded daily and paid quarterly on average daily balance
  • No withdrawal penalties from credit union
  • No monthly service charges
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