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Share Certificates

Take your savings to the next level.

For savers looking to go pro

Our Share Certificates offer great rates for savers who are looking to maximize dividends on a timeline of their choice.

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.

  • A woman holds her young daughter outdoors in afternoon sun

    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.

  • Older Hispanic female looking out her window

    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

Certificates and IRA Certificates - $1,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000.

Deposit Rates are current as of November 1, 2022. Rates and Fees may change at any time without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.598%

APY**

0.60%

Term

6 month

Dividend Rate

0.698%

APY**

0.70%

Term

9 month

Dividend Rate

0.797%

APY**

0.80%

Term

11 Month CD Special

Dividend Rate

2.726%

APY**

2.76%

Term

12 month

Dividend Rate

1.539%

APY**

1.55%

Term

18 month

Dividend Rate

1.588%

APY**

1.60%

Term

24 month

Dividend Rate

1.785%

APY**

1.80%

Term

31 Month CD Special

Dividend Rate

3.697%

APY**

3.76%

Term

36 month

Dividend Rate

2.080%

APY**

2.10%

Term

48 month

Dividend Rate

2.129%

APY**

2.15%

Term

60 month

Dividend Rate

2.178%

APY**

2.20%

Certificates and IRA Certificates - $10,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000.

Deposit Rates are current as of November 1, 2022. Rates and Fees may change at any time without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.648%

APY**

0.65%

Term

6 month

Dividend Rate

0.747%

APY**

0.75%

Term

9 month

Dividend Rate

0.847%

APY**

0.85%

Term

11 Month CD Special

Dividend Rate

2.726%

APY**

2.76%

Term

12 month

Dividend Rate

1.588%

APY**

1.60%

Term

18 month

Dividend Rate

1.638%

APY**

1.65%

Term

24 month

Dividend Rate

1.834%

APY**

1.85%

Term

31 Month CD Special

Dividend Rate

3.697%

APY**

3.76%

Term

36 month

Dividend Rate

2.129%

APY**

2.15%

Term

48 month

Dividend Rate

2.178%

APY**

2.20%

Term

60 month

Dividend Rate

2.227%

APY**

2.25%

Certificates and IRA Certificates - $100,000+ Minimum Balance

Term

Dividend Rate

APY**

DISCLOSURES

$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.

Deposit Rates are current as of November 1, 2022. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Term

3 month

Dividend Rate

0.698%

APY**

0.70%

Term

6 month

Dividend Rate

0.797%

APY**

0.80%

Term

9 month

Dividend Rate

0.896%

APY**

0.90%

Term

11 Month CD Special

Dividend Rate

2.726%

APY**

2.76%

Term

12 month

Dividend Rate

1.638%

APY**

1.65%

Term

18 month

Dividend Rate

1.687%

APY**

1.70%

Term

24 month

Dividend Rate

1.884%

APY**

1.90%

Term

31 Month CD Special

Dividend Rate

3.697%

APY**

3.76%

Term

36 month

Dividend Rate

2.178%

APY**

2.20%

Term

48 month

Dividend Rate

2.227%

APY**

2.25%

Term

60 month

Dividend Rate

2.276%

APY**

2.30%

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.

Certificate Builder Share Account

Dividend Rate

APY**

DISCLOSURES

$50.00 Minimum Balance to obtain APY. Minimum Balance to Open of $50.00.

Requires a $50 minimum monthly deposit for nine months.

Deposit Rates are current as of June 1, 2022. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

**APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.

Dividend Rate

0.15%

APY**

0.15%

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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Join us

Become a DNCU member
Apply online
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.