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Share / IRA Certificate Rates

Rates effective as of 1/17/2026

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3 month

Tier APY1
$1,000 to $24,999  3.75%
$25,000 to $99,999  3.75%
$100,000 and up  3.75% 

6 month

Tier APY1
$1,000 to $24,999 3.75%
$25,000 to $99,999 4.00%
$100,000 and up 4.00%

1 year

Tier APY1
$1,000 to $24,999 3.50%
$25,000 to $99,999 3.50%
$100,000 and up 3.50%

18 month

Tier APY1
$1,000 to $24,999 3.25%
$25,000 to $99,999 3.35%
$100,000 and up 3.50%

2 year

Tier APY1
$1,000 to $24,999 1.75%
$25,000 to $99,999 2.00%
$100,000 and up 2.20%

3 year

Tier APY1
$1,000 to $24,999 1.75%
$25,000 to $99,999 2.00%
$100,000 and up 2.20%

5 year

Tier APY1
$1,000 to $24,999 1.75%
$25,000 to $99,999 2.00%
$100,000 and up 2.20%

Rates effective as of 1/17/2026

1APY = Annual Percentage Yield. Paid and compounded quarterly. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.