Personal > Certificates

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.

Certificates and IRA Certificates - $1,000+ Minimum Balance
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 April 14, 2025. 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 3.50%	APY** 3.56%
Term 6 month	Dividend Rate 3.50%	APY** 3.56%
Term 9 month	Dividend Rate 3.50%	APY** 3.56%
Term 12 month	Dividend Rate 3.50%	APY** 3.56%
Term 18 month	Dividend Rate 3.35%	APY** 3.41%
Term 24 month	Dividend Rate 3.25%	APY** 3.30%
Term 36 month	Dividend Rate 3.20%	APY** 3.25%
Term 48 month	Dividend Rate 3.10%	APY** 3.15%
Term 60 month	Dividend Rate 3.10%	APY** 3.15%

Certificates and IRA Certificates - $10,000+ Minimum Balance
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 April 14, 2025. 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 3.55%	APY** 3.61%
Term 6 month	Dividend Rate 3.55%	APY** 3.61%
Term 9 month	Dividend Rate 3.55%	APY** 3.61%
Term 12 month	Dividend Rate 3.55%	APY** 3.61%
Term 18 month	Dividend Rate 3.40%	APY** 3.46%
Term 24 month	Dividend Rate 3.30%	APY** 3.35%
Term 36 month	Dividend Rate 3.25%	APY** 3.30%
Term 48 month	Dividend Rate 3.15%	APY** 3.20%
Term 60 month	Dividend Rate 3.15%	APY** 3.20%

Certificates and IRA Certificates - $100,000+ Minimum Balance
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 April 14, 2025. 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 3.60%	APY** 3.67%
Term 6 month	Dividend Rate 3.60%	APY** 3.67%
Term 9 month	Dividend Rate 3.60%	APY** 3.67%
Term 12 month	Dividend Rate 3.60%	APY** 3.67%
Term 18 month	Dividend Rate 3.45%	APY** 3.51%
Term 24 month	Dividend Rate 3.35%	APY** 3.41%
Term 36 month	Dividend Rate 3.30%	APY** 3.35%
Term 48 month	Dividend Rate 3.20%	APY** 3.25%
Term 60 month	Dividend Rate 3.20%	APY** 3.25%

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.

Certificate Builder Share Account
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 August 1, 2024. 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%