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 25, 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 2.95% |
APY** 2.99% |
|
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 18 month |
Dividend Rate 3.70% |
APY** 3.77% |
|
Term 24 month |
Dividend Rate 3.45% |
APY** 3.51% |
|
Term 36 month |
Dividend Rate 3.20% |
APY** 3.25% |
|
Term 48 month |
Dividend Rate 3.05% |
APY** 3.10% |
|
Term 60 month |
Dividend Rate 3.05% |
APY** 3.10% |
|
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 25, 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 3.00% |
APY** 3.05% |
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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% |
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Term 12 month |
Dividend Rate 4.50% |
APY** 4.60% |
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Term 18 month |
Dividend Rate 3.75% |
APY** 3.82% |
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Term 24 month |
Dividend Rate 3.50% |
APY** 3.56% |
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Term 36 month |
Dividend Rate 3.25% |
APY** 3.30% |
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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% |
|
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 25, 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 3.05% |
APY** 3.10% |
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Term 6 month |
Dividend Rate 4.55% |
APY** 4.65% |
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Term 8 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
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Term 9 month |
Dividend Rate 4.55% |
APY** 4.65% |
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Term 12 month |
Dividend Rate 4.55% |
APY** 4.65% |
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Term 18 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 24 month |
Dividend Rate 3.55% |
APY** 3.61% |
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Term 36 month |
Dividend Rate 3.30% |
APY** 3.35% |
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Term 48 month |
Dividend Rate 3.15% |
APY** 3.20% |
|
Term 60 month |
Dividend Rate 3.15% |
APY** 3.20% |
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 May 15, 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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|
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.
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. Fee May Reduce Earnings on the Account. Dividends will vary based on the amount of money on deposit. The share certificate special term is eleven months and at maturity will roll over to our twelve-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.
