
Share Certificates
Take your savings to the next level.
Tap into the benefits of saving with DNCU
-
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.
-
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.
-
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 May 15, 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. |
||
Term 3 month |
Dividend Rate 0.60% |
APY** 0.60% |
Term 6 month |
Dividend Rate 2.75% |
APY** 2.79% |
Term 7 month CD Special |
Dividend Rate 5.00% |
APY** 5.13% |
Term 9 month |
Dividend Rate 3.10% |
APY** 3.15% |
Term 12 month |
Dividend Rate 3.45% |
APY** 3.51% |
Term 17 Month CD Special |
Dividend Rate 3.98% |
APY** 4.06% |
Term 18 month |
Dividend Rate 2.95% |
APY** 2.99% |
Term 24 month |
Dividend Rate 2.75% |
APY** 2.79% |
Term 31 Month Special |
Dividend Rate 3.84% |
APY** 3.92% |
Term 36 month |
Dividend Rate 2.65% |
APY** 2.69% |
Term 48 month |
Dividend Rate 2.70% |
APY** 2.74% |
Term 60 month |
Dividend Rate 2.75% |
APY** 2.79% |
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 May 15, 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. |
||
Term 3 month |
Dividend Rate 0.65% |
APY** 0.65% |
Term 6 month |
Dividend Rate 2.80% |
APY** 2.84% |
Term 7 month CD Special |
Dividend Rate 5.00% |
APY** 5.13% |
Term 9 month |
Dividend Rate 3.15% |
APY** 3.20% |
Term 12 month |
Dividend Rate 3.50% |
APY** 3.56% |
Term 17 Month CD Special |
Dividend Rate 3.98% |
APY** 4.06% |
Term 18 month |
Dividend Rate 3.00% |
APY** 3.05% |
Term 24 month |
Dividend Rate 2.80% |
APY** 2.84% |
Term 31 Month CD Special |
Dividend Rate 3.84% |
APY** 3.92% |
Term 36 month |
Dividend Rate 2.70% |
APY** 2.74% |
Term 48 month |
Dividend Rate 2.75% |
APY** 2.79% |
Term 60 month |
Dividend Rate 2.80% |
APY** 2.84% |
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 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. |
||
Term 3 month |
Dividend Rate 0.70% |
APY** 0.70% |
Term 6 month |
Dividend Rate 2.85% |
APY** 2.89% |
Term 7 month CD Special |
Dividend Rate 5.00% |
APY** 5.13% |
Term 9 month |
Dividend Rate 3.20% |
APY** 3.25% |
Term 12 month |
Dividend Rate 3.55% |
APY** 3.61% |
Term 17 Month CD Special |
Dividend Rate 3.98% |
APY** 4.06% |
Term 18 month |
Dividend Rate 3.05% |
APY** 3.10% |
Term 24 month |
Dividend Rate 2.85% |
APY** 2.89% |
Term 31 Month CD Special |
Dividend Rate 3.84% |
APY** 3.92% |
Term 36 month |
Dividend Rate 2.75% |
APY** 2.79% |
Term 48 month |
Dividend Rate 2.80% |
APY** 2.84% |
Term 60 month |
Dividend Rate 2.85% |
APY** 2.89% |
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 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. |
|
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
505-455-5228 or
(877) 818-3628 toll-free.