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% |
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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% |
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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% |
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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.
Únete a nosotros
(877) 818-3628 gratuito.
Divulgaciones
Terms and conditions available for download (PDF.)
*APY= Annual Percentage Yield. A penalty may be imposed for Early Withdrawal on any Share Certificate product. Fees May Reduce Earnings on the Account. Dividends will vary based on the amount of money on deposit. The share certificate special term is eight months and at maturity will roll over to our six-month share certificate at our current rates. Offer good for new or existing money. $1,000+ Minimum Balance to obtain APY. Dividends are compounded daily and paid monthly. Rates subject to change. Terms and conditions are subject to change without notice.