Share Certificates
Take your savings to the next level.
Turn today’s savings into tomorrow’s opportunities with Del Norte Credit Union
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Great dividends available
Unlock exceptional earning potential with Del Norte Credit Union Share Certificates. Del Norte Credit Union Share Certificates offer competitive rates across a variety of terms, making it easy to choose the option that fits your goals.
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Timeline of Your Choice
Your money has goals. Let it start achieving them today. Earn competitive dividends with terms as short as three months, or maximize your earning potential with a longer-term savings strategy of up to four years.
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Low minimums
Big returns start with smart savings. Open a Share Certificate with as little as $1,000, or elevate your earnings with higher balances of $10K+ or $100K+. If you’re still building your savings, our Certificate Builder program lets you invest in your future for just $50 per month.
Share Certificates - Current Rates
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Term |
Dividend Rate |
APY** |
|---|---|---|
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DISCLOSURES $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of November 2, 2026. 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 3.50% |
APY** 3.56% |
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Term 6 month |
Dividend Rate 3.75% |
APY** 3.82% |
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Term 8 month Special |
Dividend Rate 4.25% |
APY** 4.34% |
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Term 9 month |
Dividend Rate 3.75% |
APY** 3.82% |
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Term 12 month |
Dividend Rate 3.75% |
APY** 3.82% |
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Term 13 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
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Term 18 month |
Dividend Rate 3.75% |
APY** 3.82% |
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Term 24 month |
Dividend Rate 4.00% |
APY** 4.08% |
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Term 36 month |
Dividend Rate 4.00% |
APY** 4.08% |
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Term 48 month |
Dividend Rate 4.00% |
APY** 4.08% |
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Term 60 month |
Dividend Rate 4.00% |
APY** 4.08% |
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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 2, 2026. 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 3.55% |
APY** 3.61% |
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Term 6 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 8 month Special |
Dividend Rate 4.30% |
APY** 4.39% |
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Term 9 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 12 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 13 month Special |
Dividend Rate 5.05% |
APY** 5.18% |
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Term 18 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 24 month |
Dividend Rate 4.05% |
APY** 4.13% |
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Term 36 month |
Dividend Rate 4.05% |
APY** 4.13% |
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Term 48 month |
Dividend Rate 4.05% |
APY** 4.13% |
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Term 60 month |
Dividend Rate 4.05% |
APY** 4.13% |
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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 2, 2026. 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 3.60% |
APY** 3.67% |
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Term 6 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 8 month Special |
Dividend Rate 4.35% |
APY** 4.45% |
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Term 9 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 12 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 13 month Special |
Dividend Rate 5.10% |
APY** 5.23% |
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Term 18 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 24 month |
Dividend Rate 4.10% |
APY** 4.18% |
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Term 36 month |
Dividend Rate 4.10% |
APY** 4.18% |
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Term 48 month |
Dividend Rate 4.10% |
APY** 4.18% |
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Term 60 month |
Dividend Rate 4.10% |
APY** 4.18% |
Certificate Builder - Current Rates
Interested in starting with a lower balance? Take advantage of Del Norte Credit Union’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.
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Dividend Rate |
APY** |
|---|---|
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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 November 2, 2026. 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.
Join us
(877) 818-3628 toll-free.
Disclosures
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. Must be a New Mexico Resident. Offer is accurate as of October 28, 2026. Rates and Fees may change at any time without notice. Federally Insured by NCUA.