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Shield Checking Memberships

3 tiers — up to a $1,321 value*

Open now

Shield Checking Memberships

3 tiers — up to a $1,321 value*

Open now


Scroll to the right to see details  
CHOOSE YOURS — explore our   membership features!

Shield
Elite

Max Savings & Protection

Shield Advantage

More Protection & Savings

Shield
Checking

Standard Checking
Rate Discount
0.25% Rate Discount on Loans
Valid on Auto and Personal Loans5
Billshark
Billshark
Let our team of experts negotiate your internet, TV, cell phone and home security services on your behalf, or cancel subscriptions you no longer need. $240 Annual Savings^
Pet Insurance
Pet Insurance
Discounted pet insurance and savings on other pet care services and products. No breed or age restrictions! $155 Annual Savings^
Financial Wellness
Estate Planning
Create state-specific and legally binding Wills, Health Care Proxies, Powers of Attorney, Pet Powers of Attorney, Trusts and more!
$150 Annual Savings^
Earns interest
Earn Interest
on Your Balances (View APY*)
Earns apy
Earn 5.25% APY+
On 10-month Flex Certificate
Road assistance
Roadside Assistance
Free for the family with up to $80 in service charges. $75 Annual Savings^
DFCU Deal$ Mobile App Access
DFCU Deal$ Mobile App Access
Instant savings at major and local retailers! $72 Annual Savings^
Travel savings
Nationwide Travel Savings
Lodging, Car Rentals, Airfare and More (Via DFCUDeal$*)
Entertainment Savings
Entertainment Savings
Experiences, Theme Parks, Movies, and More (Via DFCUDeal$*)
Health Savings Card
Health Savings Card
Up to 50% off Pharmacy Prescriptions, up to 30% Eye Care, up to 15% off Hearing Aids and More~ (Via DFCUDeal$*) $144 Annual Savings^
Get Paid Fast
Get Paid Faster
Up to 2 days earlier!4
Zelle logo
Instant Transfers*
Send money to your family and friends via Zelle®
CO-OP logo
Access to 30,000+ Free ATMs
Enjoy Co-Op® Shared Branching ATMs free of charge:
find the one nearest you

WE GO WHEREVER YOU GO.
Stay connected with our Mobile Apps:

Fresh App

Mobile screenshot of the fresh app
DowneyFCU

Roadside Assistance

Mobile screenshot of roadside assistance
Available 24/7

Instant Coupons

Mobile screenshot of instant coupons
DFCUDeal$

Download on the App Store       Get in on Google Play


Scroll to the right to see details  
MEMBERSHIP BENEFITS Shield Elite
Coverage
Shield Advantage
Coverage
Shield
Coverage
Annual
Value^
Cell phone protection
Cell Phone Protection
1,2
Up to
$600 — claim
($1,200 per year)
Up to
$400 — claim
($800 per year)

$129
Savings

if you purchased coverage through your carrier.
ID theft aid
Identity Theft Aid
1,2
Includes 1B credit monitoring, credit report and credit score,fraud resolution, and $10,000 personal identity theft benefit.3
Includes payment card fraud resolution,
$5,000
in personal identity theft benefit and identity restoration.

$80
Savings

if you purchased this annually.
Accidental death coverage
Accidental Death Coverage
2
$25,000 accidental death coverage 2
$25,000 accidental death coverage 2

$36
Savings

if you purchased this coverage individually.
Buyer\
Buyer's Protection
&
Extended Warranty

1,2
Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year of extended warranty
Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year of extended warranty

$180 Savings
if you purchased this coverage individually.


ACTIVATE YOUR MEMBERSHIP:


Robot Need help? Call 562.862.8141 or chat online with a rep or our chatbot, CHIP.
Interested in a
Shield Checking Membership?

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


*U.S. checking account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks, are wholly owned by Early Warning Services, LLC and are used herein under license.
^ Value proposition for Shield Elite Checking with Bazing: $1,321.00. Total annual cost ($9.95/month) = $119.40. Total net annual value = $1,201.60. Click for details.
+ APY = Annual Percentage Yield. Click for details.
1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Participating merchants on DFCUDeal$, in partnership with BaZing, are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
2 Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY DFCU.
3 Additional activation is required.
4 Early payroll in to your DFCU Shield Checking account is not guaranteed. DFCU has to receive the payroll funds from the employer in a timely manner to ensure receiving payroll early.
5 Loan Discount only valid if member holds a Shield Elite Checking Account Membership with DFCU in good standing at the time of funding.
~ Health Savings Disclosure

DFCU Shield Checking Benefits Disclosures

Monthly Fees by Tiers:
  • Elite: $9.95/month
  • Advantage: $5.95/month