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DCU Routing Number: 211391825

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Jumbo Certificates

Low $25,000 minimum to earn high jumbo rates.

At a Glance

Earn a better rate for balances $25,000 and above. Compare with higher minimum jumbos elsewhere.


Terms 3 to 60 months - dividends are compounded daily and credited monthly.
Multiple dividend payment options - leave your dividends in your account or transfer them.
Automatic renewal - nothing you need to do when your Certificate renews to keep the same term.
As High As
5.13% APY








3 to 60 months

Jumbo Certificate Rates

Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY¹

Term Dividend Rate APY¹
60 Months 3.65% 3.72%
48 to 59 Months 3.70% 3.77%
36 to 47 Months 3.80% 3.87%
24 to 35 Months 4.40% 4.50%
12 to 23 Months 4.50% 4.60%
6 to 11 Months 4.75% 4.86%
3 to 5 Months 5.00% 5.13%

¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.

Add-on Feature – You can make unlimited add-ons to your certificate principal on all certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate.

Early Closing Penalties for Certificates

3-11 months60 days' dividend
12-35 months90 days' dividend
36-60 months180 days' dividend

The same penalties apply on amounts prematurely withdrawn from a Certificate. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

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