Share Certificates
Take your savings to the next level.
Tap into the benefits of saving with Del Norte Credit Union
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Great dividends available
Unlock exceptional earning potential with DNCU 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 September 23, 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 3.50% |
APY** 3.56% |
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Term 8 month Special |
Dividend Rate 3.95% |
APY** 4.03% |
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Term 9 month |
Dividend Rate 3.50% |
APY** 3.56% |
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Term 12 month |
Dividend Rate 3.50% |
APY** 3.56% |
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Term 13 month Special |
Dividend Rate 4.20% |
APY** 4.29% |
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Term 18 month |
Dividend Rate 3.35% |
APY** 3.41% |
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Term 24 month |
Dividend Rate 3.25% |
APY** 3.30% |
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Term 36 month |
Dividend Rate 3.20% |
APY** 3.25% |
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Term 48 month |
Dividend Rate 3.10% |
APY** 3.15% |
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Term 60 month |
Dividend Rate 3.10% |
APY** 3.15% |
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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 September 23, 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 3.55% |
APY** 3.61% |
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Term 8 month Special |
Dividend Rate 4.00% |
APY** 4.08% |
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Term 9 month |
Dividend Rate 3.55% |
APY** 3.61% |
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Term 12 month |
Dividend Rate 3.55% |
APY** 3.61% |
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Term 13 month Special |
Dividend Rate 4.25% |
APY** 4.34% |
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Term 18 month |
Dividend Rate 3.40% |
APY** 3.46% |
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Term 24 month |
Dividend Rate 3.30% |
APY** 3.35% |
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Term 36 month |
Dividend Rate 3.25% |
APY** 3.30% |
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Term 48 month |
Dividend Rate 3.15% |
APY** 3.20% |
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Term 60 month |
Dividend Rate 3.15% |
APY** 3.20% |
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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 September 23, 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 3.60% |
APY** 3.67% |
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Term 8 month Special |
Dividend Rate 4.05% |
APY** 4.13% |
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Term 9 month |
Dividend Rate 3.60% |
APY** 3.67% |
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Term 12 month |
Dividend Rate 3.60% |
APY** 3.67% |
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Term 13 month Special |
Dividend Rate 4.30% |
APY** 4.39% |
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Term 18 month |
Dividend Rate 3.45% |
APY** 3.51% |
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Term 24 month |
Dividend Rate 3.35% |
APY** 3.41% |
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Term 36 month |
Dividend Rate 3.30% |
APY** 3.35% |
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Term 48 month |
Dividend Rate 3.20% |
APY** 3.25% |
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Term 60 month |
Dividend Rate 3.20% |
APY** 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.
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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 September 23, 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. 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.