What Can DCU Save You?

Certificate Rates

Earn a competitive return on your savings at DCU

  • Regular Rates
  • Jumbo Rates
  • Certificate IRA Rates
  • Jump-Up Rates

Regular Certificate of Deposit Rates and QuickStart Certificate Rates*

Regular Certificate of Deposit Rates – Minimum balance of $500 is required to open your account.
QuickStart Certificate Rates – For members under age 23, minimum balance of $100 is required to open your account.
Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
60 months 1.74% 1.75%
48 to 59 months 1.49% 1.50%
36 to 47 months 1.24% 1.25%
24 to 35 months 1.00% 1.00%
12 to 23 months. Add-ons permitted for 12-month term. 0.75% 0.75%
6 to 11 months. Add-ons permitted 0.50% 0.50%
3 to 5 months. Add-ons permitted. 0.50% 0.50%

Rates are effective .

Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

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. Not available on IRAs.

*Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Jumbo Certificate of Deposit Rates*

Jumbo Certificates – Minimum balance of $25,000 is required to open your account. Open through online banking
Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
60 months. 1.84% 1.86%
48 to 59 months. 1.59% 1.60%
36 to 47 months. 1.34% 1.35%
24 to 35 months. 1.10% 1.11%
12 to 23 months. Add-ons to Jumbos permitted for
12-month term.
0.85% 0.85%
6 to 11 months. Add-ons to Jumbos permitted. 0.60% 0.60%
3 to 5 months. Add-ons to Jumbos permitted. 0.60% 0.60%

Rates are effective .

*Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

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. Not available on IRAs.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Certificate IRA Rates*

Certificates IRA Rates – Minimum balance of $500 is required to open your account.
May be used for Traditional, Roth, SEP, and SIMPLE accounts.
TERMS / FEATURES OUR BEST RATES
  Dividend Rate Annual Percentage Yield
60 months 1.84% 1.86%
48 to 59 months 1.59% 1.60%
36 to 47 months 1.34% 1.35%
24 to 35 months 1.10% 1.11%
12 to 23 months 0.85% 0.85%
6 to 11 months 0.60% 0.60%
3 to 5 months 0.60% 0.60%

Rates are effective .

*Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Jump-Up Regular Certificate of Deposit Rates*

Only $500 minimum balance to open. Jump the rate up to one time per term – you decide when.
Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
27 months, $500 minimum. 1.12% 1.13%
15 months, $500 minimum. 0.63% 0.63%

Rates are effective .

Jump-Up Jumbo Certificate of Deposit Rates*

Jump the rate up to one time per term – you decide when. Open through online banking
Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
27 months, $25,000 minimum 1.22% 1.23%
15 months, $25,000 minimum 0.73% 0.73%

Rates are effective .

Jump-Up IRA Certificate of Deposit Rates*

Jump the rate up to one time per term – you decide when.
Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
27 months, $500 minimum. 1.22% 1.23%
15 months, $500 minimum. 0.73% 0.73%

Rates are effective .

*Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

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