At a Glance
Members under the age of 23 can get certificate rates on as little as $100.00.
MINIMUM TO OPEN
$100MINIMUM TO EARN
$100MONTHLY FEES
$0.00AVAILABLE TERMS
3 to 60 monthsREGULAR CERTIFICATE RATES AND QUICKSTART CERTIFICATE RATES
Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY¹ | $100 for QuickStart Certificates to open and earn.
Term | Dividend Rate | APY¹ |
---|---|---|
60 Months | 3.34% | 3.40% |
48 to 59 Months | 3.39% | 3.45% |
36 to 47 Months | 3.49% | 3.55% |
24 to 35 Months | 3.68% | 3.75% |
12 to 23 Months | 3.92% | 4.00% |
6 to 11 Months | 3.92% | 4.00% |
3 to 5 Months | 4.16% | 4.25% |
¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificates are for members under age 23. 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 Regular 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
Length | Penalty |
---|---|
3-11 months | 60 days' dividend |
12-35 months | 90 days' dividend |
36-60 months | 180 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The same penalties apply on amounts prematurely withdrawn from a Certificate.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.
Plan for Your Certificate
Choose from our easy to use calculators to help you manage your certificates and savings goals.
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This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy regarding your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation. These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service. The calculations provided should not be construed as financial, legal, or tax advice. Consult a financial professional prior to relying on the results presented.
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