Personal > Certificates

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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.

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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

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

Term

Dividend Rate

APY**

DISCLOSURES

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

Deposit Rates are current as of March 1, 2021. 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

0.10%

APY**

0.10%

Term

6 month

Dividend Rate

0.15%

APY**

0.15%

Term

9 month

Dividend Rate

0.20%

APY**

0.20%

Term

12 month

Dividend Rate

0.25%

APY**

0.25%

Term

18 month

Dividend Rate

0.30%

APY**

0.30%

Term

24 month

Dividend Rate

0.45%

APY**

0.45%

Term

36 month

Dividend Rate

0.50%

APY**

0.50%

Term

48 month

Dividend Rate

0.55%

APY**

0.55%

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

Term

Dividend Rate

APY**

DISCLOSURES

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

Deposit Rates are current as of March 1, 2021. 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

0.15%

APY**

0.15%

Term

6 month

Dividend Rate

0.20%

APY**

0.20%

Term

9 month

Dividend Rate

0.25%

APY**

0.25%

Term

12 month

Dividend Rate

0.30%

APY**

0.30%

Term

18 month

Dividend Rate

0.35%

APY**

0.35%

Term

24 month

Dividend Rate

0.50%

APY**

0.50%

Term

36 month

Dividend Rate

0.55%

APY**

0.55%

Term

48 month

Dividend Rate

0.60%

APY**

0.60%

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

Term

Dividend Rate

APY**

DISCLOSURES

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

Deposit Rates are current as of March 1, 2021. 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

0.20%

APY**

0.20%

Term

6 month

Dividend Rate

0.25%

APY**

0.25%

Term

9 month

Dividend Rate

0.30%

APY**

0.30%

Term

12 month

Dividend Rate

0.35%

APY**

0.35%

Term

18 month

Dividend Rate

0.40%

APY**

0.40%

Term

24 month

Dividend Rate

0.55%

APY**

0.55%

Term

36 month

Dividend Rate

0.60%

APY**

0.60%

Term

48 month

Dividend Rate

0.65%

APY**

0.65%

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

Deposit Rates are current as of March 1, 2021. 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.