Savings Accounts

Low minimum opening balances, competitive interest rates, ATM access and other benefits make our savings accounts smart choices.

Need Help?

Questions about our savings accounts or the application process? Please contact us at our convenient business hours: Monday through Friday, 6:00 a.m. to 7:00 p.m. PT, and Saturday 9:00 a.m. to 5:00 p.m. PT.

(760) 243-2140
Email Us

Savings Accounts

Our Savings Accounts include:

  • 24-Hour automated telephone banking - (760) 243-2140
  • Direct deposit
  • Chip Cards NEW
  • Online banking *
  • Online bill payment *
  • Mobile banking *
  • Monthly statements


WHICH SAVINGS ACCOUNT IS RIGHT FOR YOU?
DCB Premier Savings Diamond Club Savings Student Plus Savings Just for Teens
DCB Premier Savings Diamond Club Savings Student Plus Savings Just for Teens
A good choice for those who want:
  • A low opening balance
  • Interest account with convenient access to funds
  • A low opening balance
  • An account without a monthly account maintenance fee
  • Interest account with convenient access to funds
  • A low opening balance
  • Account maintenance fee waived with direct deposit credit or auto transfer deposit
  • Interest account with convenient access to funds
  • A low opening balance
  • Account maintenance fee waived with direct deposit credit or auto transfer deposit
  • Interest account with convenient access to funds
Minimum opening balance:
$100 $100 $100 $100
Interest features:
Variable interest rate / compounded daily / credited monthly Variable interest rate / compounded daily / credited monthly Variable interest rate / compounded daily / credited monthly Variable interest rate / compounded daily / credited monthly
Other benefits:
  • No teller withdrawal limits1
  • No deposit limits
  • ATM access (available when linked to any one of the personal checking account products offered at Desert Community Bank)
  • No teller withdrawal limits1
  • No deposit limits
  • ATM access (available when linked to any one of the personal checking account products offered at Desert Community Bank)
  • No teller withdrawal limits1
  • No deposit limits
  • ATM access (available when linked to a Student Plus Checking Account)
  • No teller withdrawal limits1
  • No deposit limits
  • ATM access
Monthly account maintenance fees:
  • $3 monthly maintenance fee. No monthly maintenance fee with a monthly average balance of $2,500 or a combined average monthly balance of $10,000 or more in a combination of qualifying Desert Community Bank consumer deposit accounts.
  • No monthly maintenance fee if you are under 18
No monthly maintenance fee $3 monthly maintenance fee. No monthly maintenance fee with direct deposit credit or automatic transfer deposit No monthly maintenance fee
Associated accounts and services:
DCB Premier Checking Diamond Club Checking Student Plus Checking  
Other requirements:
You must be age 55 or older to open this account You must be age 18 or older and enrolled either part-time or full-time in an accredited university or vocational school You must be 13-172 years of age with a parent or legal guardian as a joint account holder

Deposit products are FDIC Insured.

* To access mobile banking, you must first enroll for online banking service. View the Online Banking Agreement and Mobile Remote Deposit Services Agreement for more information about both online and mobile banking. While Desert Community Bank charges no fees for our Online and Mobile Banking services, internet, text and wireless carrier data access fees may apply depending on your plan. Check with your service provider for details. Internet access is needed to use Online Banking Services, Mobile Apps and Mobile Web.

1Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings accounts to a maximum combined total of six (6) per month or monthly statement period. Please refer to your Deposit Agreement and disclosures for details.

2When the “minor joint owner” turns 18 years of age, this Just for Teens Savings account will automatically be changed to a Premier Savings account and be subject to the applicable fees for that account type. Other fees may apply. Please refer to the Desert Community Bank Fee Schedule for additional fee information.