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.
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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
|
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 September 3, 2024. 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. |
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|
Term 3 month |
Dividend Rate 4.45% |
APY** 4.55% |
|
Term 6 month |
Dividend Rate 4.45% |
APY** 4.55% |
|
Term 8 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 9 month |
Dividend Rate 4.45% |
APY** 4.55% |
|
Term 12 month |
Dividend Rate 4.45% |
APY** 4.55% |
|
Term 13 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 18 month |
Dividend Rate 4.30% |
APY** 4.39% |
|
Term 24 month |
Dividend Rate 4.20% |
APY** 4.29% |
|
Term 36 month |
Dividend Rate 4.10% |
APY** 4.18% |
|
Term 48 month |
Dividend Rate 3.95% |
APY** 4.03% |
|
Term 60 month |
Dividend Rate 3.95% |
APY** 4.03% |
|
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 September 3, 2024. 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. |
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|
Term 3 month |
Dividend Rate 4.50% |
APY** 4.60% |
|
Term 6 month |
Dividend Rate 4.50% |
APY** 4.60% |
|
Term 8 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 9 month |
Dividend Rate 4.50% |
APY** 4.60% |
|
Term 12 month |
Dividend Rate 4.50% |
APY** 4.60% |
|
Term 13 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 18 month |
Dividend Rate 4.35% |
APY** 4.45% |
|
Term 24 month |
Dividend Rate 4.25% |
APY** 4.34% |
|
Term 36 month |
Dividend Rate 4.15% |
APY** 4.24% |
|
Term 48 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
Term 60 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
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 September 3, 2024. 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. |
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|
Term 3 month |
Dividend Rate 4.55% |
APY** 4.65% |
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Term 6 month |
Dividend Rate 4.55% |
APY** 4.65% |
|
Term 8 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 9 month |
Dividend Rate 4.55% |
APY** 4.65% |
|
Term 12 month |
Dividend Rate 4.55% |
APY** 4.65% |
|
Term 13 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 18 month |
Dividend Rate 4.40% |
APY** 4.50% |
|
Term 24 month |
Dividend Rate 4.30% |
APY** 4.39% |
|
Term 36 month |
Dividend Rate 4.20% |
APY** 4.29% |
|
Term 48 month |
Dividend Rate 4.05% |
APY** 4.13% |
|
Term 60 month |
Dividend Rate 4.05% |
APY** 4.13% |
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.
|
Dividend Rate |
APY** |
|---|---|
|
DISCLOSURES $10.00 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 August 1, 2024. 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. |
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|
Dividend Rate 0.25% |
APY** 0.25% |
Get started today
Share certificates may be opened in-person at any of our branches or by phone in some circumstances.
You might also be interested in:
IRA Certificates
DNCU’s IRA Certificates work just like our Share Certificates but provide the added advantage of tax-deferred dividends.
Money Market Savings Accounts
Earn a higher interest rate for your savings with the convenience of limited check writing privileges.
Join us
505-455-5228 or
(877) 818-3628 toll-free.
