Certificados de acciones
Take your savings to the next level.
Tap into the benefits of saving with DNCU
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Great dividends available
Get the greatest returns for savers with DNCU’s Share Certificates.
Check our rate tables below for the competitive current returns for your preferred term.
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Timeline of your choice
It’s your money. Put it to work on your schedule.
Earn favorable dividends for terms as short as three months or maximize your returns with a four year savings plan.
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Low minimums
Start with as little as $1,000 or maximize your returns with savings of $10K+ or $100K+.
Can’t meet the minimum? Opt for our Certificate Builder program for as little as $50/month.
Share Certificates - Current Rates
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $1,000+. Saldo mínimo para abrir una cuenta de $1,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
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|
Término 3 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
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Término 6 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 3.95% |
TAE** 4.03% |
|
Término 9 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término 12 meses |
Tasa de dividendo 3.50% |
TAE** 3.56% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.20% |
TAE** 4.29% |
|
Término 18 meses |
Tasa de dividendo 3.35% |
TAE** 3.41% |
|
Término 24 meses |
Tasa de dividendo 3.25% |
TAE** 3.30% |
|
Término 36 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
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Término 48 meses |
Tasa de dividendo 3.10% |
TAE** 3.15% |
|
Término 60 meses |
Tasa de dividendo 3.10% |
TAE** 3.15% |
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $10,000+. Saldo mínimo para abrir de $10,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
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Término 3 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término 6 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 4.00% |
TAE** 4.08% |
|
Término 9 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término 12 meses |
Tasa de dividendo 3.55% |
TAE** 3.61% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.25% |
TAE** 4.34% |
|
Término 18 meses |
Tasa de dividendo 3.40% |
TAE** 3.46% |
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Término 24 meses |
Tasa de dividendo 3.30% |
TAE** 3.35% |
|
Término 36 meses |
Tasa de dividendo 3.25% |
TAE** 3.30% |
|
Término 48 meses |
Tasa de dividendo 3.15% |
TAE** 3.20% |
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Término 60 meses |
Tasa de dividendo 3.15% |
TAE** 3.20% |
|
Término |
Tasa de dividendo |
TAE** |
|---|---|---|
|
DIVULGACIONES Saldo mínimo para obtener APY de $100,000+. Saldo mínimo para abrir de $100,000. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
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|
Término 3 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
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Término 6 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término Oferta especial de 8 meses |
Tasa de dividendo 4.05% |
TAE** 4.13% |
|
Término 9 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término 12 meses |
Tasa de dividendo 3.60% |
TAE** 3.67% |
|
Término Oferta especial de 13 meses |
Tasa de dividendo 4.30% |
TAE** 4.39% |
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Término 18 meses |
Tasa de dividendo 3.45% |
TAE** 3.51% |
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Término 24 meses |
Tasa de dividendo 3.35% |
TAE** 3.41% |
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Término 36 meses |
Tasa de dividendo 3.30% |
TAE** 3.35% |
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Término 48 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
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Término 60 meses |
Tasa de dividendo 3.20% |
TAE** 3.25% |
Certificate Builder - Current Rates
Interested in starting with a lower balance? Take advantage of DNCU’s Certificate Builder with a monthly commitment of $50.
Once your Certificate Builder reaches $500, it will be transferred to a 12-month certificate to earn even more dividends.
|
Tasa de dividendo |
TAE** |
|---|---|
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DIVULGACIONES Saldo mínimo para obtener APY: $10.00. Saldo mínimo para abrir la cuenta: $50.00. Requiere un depósito mensual mínimo de $50 durante nueve meses. Deposit Rates are current as of June 20, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. **APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Se puede aplicar una penalización por retiro anticipado en cualquier producto de certificado de acciones. |
|
|
Tasa de dividendo 0.25% |
TAE** 0.25% |
Get started today
Share certificates may be opened in-person at any of our branches or by phone in some circumstances.
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(877) 818-3628 gratuito.
Divulgaciones
Terms and conditions available for download (PDF)
*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Offer is accurate as of March 23, 2026. Rates and Fees may change at any time without notice. Federally Insured by NCUA.