Share Certificates

Solid short- or long-term savings options.

Share Certificates--secure savings and a fixed dividend. Take advantage of special short-term rate options and open one today!
 


Share certificates offer a fixed dividend rate over a specific duration of time.**

  • Short and long-term options available: 3 month, 6 month, 1 year, 2 year, 3 year, 5 year
  • Dividend compounded and paid quarterly***
  • Dividends begin to accrue on the business day the funds are deposited
  • Automatic renewal when your Certificate matures
  • Balances as low as $1,000 to open
  • Certificates balances may increase your Cash Back loyalty reward
  • Tiered Rate Structure based on Certificate balances
    • $1,000 to $24,999
    • $25,000 to $99,999
    • $100,000 and more

3 month

Tier APY1
$1,000 to $24,999  4.00%
$25,000 to $99,999  4.15%
$100,000 and up  4.25% 

6 month

Tier APY1
$1,000 to $24,999 4.25%
$25,000 to $99,999 4.35%
$100,000 and up 4.50%

7 month SPECIAL

Tier APY1
$1,000 to $24,999 5.00%
$25,000 to $99,999 5.00%
$100,000 and up 5.00%

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 3.50%
$100,000 and up 3.75%

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 5/19/2024

**Penalty for early withdrawal of funds may apply on Certificate products.

***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.

1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.