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Share Certificates

Solid short- or long-term savings options.

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Now for a limited time, open an 11-month 4.25% APY1 Certificate.

One catch: you're gonna need a bigger piggy bank.

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

  • Short and long-term options available: 3 month, 6 month, 11 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
  • Tiered Rate Structure based on Certificate balances
    • $1,000 to $24,999
    • $25,000 to $99,999
    • $100,000 and more

Printer FriendlyShare Certificates

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  4.00%
$25,000 to $99,999  4.00%
$100,000 and up  4.00%

11 month

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

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   4.40%
$25,000 to $99,999    4.40%
$100,000 and up   4.40%

3 year

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

5 year

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

Rates effective as of 11/13/2026

***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. APY accurate as of [DATE]. Dividends are paid and compounded quarterly. Dividend rate is based on the principal balance at account opening and will not change during the certificate term. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Fees could reduce earnings on the account. Penalties may apply for early withdrawal. DFCU Financial deposit accounts are federally insured by the National Credit Union Administration (NCUA).