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 January 1, 2023. 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 0.598% |
APY** 0.60% |
|
Term 6 month |
Dividend Rate 1.292% |
APY** 1.30% |
|
Term 9 month |
Dividend Rate 1.391% |
APY** 1.40% |
|
Term 12 month |
Dividend Rate 1.884% |
APY** 1.90% |
|
Term 17 Month CD Special |
Dividend Rate 3.977% |
APY** 4.05% |
|
Term 18 month |
Dividend Rate 1.933% |
APY** 1.95% |
|
Term 24 month |
Dividend Rate 2.325% |
APY** 2.35% |
|
Term 31 Month CD Special |
Dividend Rate 3.842% |
APY** 3.91% |
|
Term 36 month |
Dividend Rate 2.618% |
APY** 2.65% |
|
Term 48 month |
Dividend Rate 2.667% |
APY** 2.70% |
|
Term 60 month |
Dividend Rate 2.716% |
APY** 2.75% |
|
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 January 1, 2023. 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 0.648% |
APY** 0.65% |
|
Term 6 month |
Dividend Rate 1.342% |
APY** 1.35% |
|
Term 9 month |
Dividend Rate 1.440% |
APY** 1.45% |
|
Term 12 month |
Dividend Rate 1.933% |
APY** 1.95% |
|
Term 17 Month CD Special |
Dividend Rate 3.977% |
APY** 4.05% |
|
Term 18 month |
Dividend Rate 1.982% |
APY** 2.00% |
|
Term 24 month |
Dividend Rate 2.374% |
APY** 2.40% |
|
Term 31 Month Cd Special |
Dividend Rate 3.842% |
APY** 3.91% |
|
Term 36 month |
Dividend Rate 2.667% |
APY** 2.70% |
|
Term 48 month |
Dividend Rate 2.716% |
APY** 2.75% |
|
Term 60 month |
Dividend Rate 2.765% |
APY** 2.80% |
|
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 January 1, 2023. 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 0.698% |
APY** 0.70% |
|
Term 6 month |
Dividend Rate 1.391% |
APY** 1.40% |
|
Term 9 month |
Dividend Rate 1.490% |
APY** 1.50% |
|
Term 12 month |
Dividend Rate 1.982% |
APY** 2.00% |
|
Term 17 Month CD Special |
Dividend Rate 3.977% |
APY** 4.05% |
|
Term 18 month |
Dividend Rate 2.031% |
APY** 2.05% |
|
Term 24 month |
Dividend Rate 2.423% |
APY** 2.45% |
|
Term 31 Month CD Special |
Dividend Rate 3.842% |
APY** 3.91% |
|
Term 36 month |
Dividend Rate 2.716% |
APY** 2.75% |
|
Term 48 month |
Dividend Rate 2.765% |
APY** 2.80% |
|
Term 60 month |
Dividend Rate 2.813% |
APY** 2.85% |
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 $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.
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.
