Savings, Dividend Periods and Early Withdrawal Penalties DFI-CU 60.01 Definition. DFI-CU 60.02 Dividend periods. DFI-CU 60.03 Term share accounts. DFI-CU 60.04 Passbook savings accounts. DFI-CU 60.05 Early withdrawal penalties. DFI-CU 60.06 Credit union dissolution.