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DCU Routing Number: 211391825

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    Regular Certificates

    Open and start earning dividends on as little as $500.

    OPEN NOW

    At a Glance

    Earn a better return with a low minimum balance.

    Benefits

    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
    4.50% APY

    MINIMUM TO OPEN

    $500

    MINIMUM TO EARN

    $500

    MONTHLY FEES

    $0.00

    AVAILABLE TERMS

    3 to 60 months

    REGULAR 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 4.16% 4.25%
    3 to 5 Months 4.40% 4.50%
    Rates are effective

    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

    LengthPenalty
    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    The same penalties apply on amounts prematurely withdrawn from a Certificate.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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    853 Donald Lynch Boulevard
    PO Box 9130
    Marlborough, MA 01752-9130

    ABA Routing Number: 211391825
    NMLS# 466914

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    Federally insured by NCUA

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