Skip to Main Content
back shot of a father and two young kids hiking in a forest

Certificate Accounts

Certificate Accounts

Earn a better return with a low minimum balance.

Offerings

DCU offers a variety of choices and resources to help you find a savings certificate that is best suited for you..

REGULAR CERTIFICATE

Earn a better return with a low minimum balance.

AS HIGH AS
2.28% APY
RATING
4.5 4.5 / 5 stars
MINIMUM TO OPEN
$500
MINIMUM TO EARN
$500
MONTHLY FEE
$0.00
AVAILABLE TERMS
3 to 60months

JUMBO CERTIFICATE

Earn a better rate for balances $25,000 and above.

AS HIGH AS
2.38% APY
RATING
4 4 / 5 stars
MINIMUM TO OPEN
$25,000
MINIMUM TO EARN
$25,000
MONTHLY FEE
$0.00
AVAILABLE TERMS
3 to 60months

Jump your rate once per term when rates go up – you decide when.

AS HIGH AS
2.02% APY
RATING
4 4 / 5 stars
MINIMUM TO OPEN
$500on regular certificate
MINIMUM TO EARN
$500on regular certificate
MONTHLY FEES
$0.00
AVAILABLE TERMS
15 or 27months

Lower minimum balance for members under age 23.

AS HIGH AS
2.28% APY
RATING
3 3 / 5 stars
MINIMUM TO OPEN
$100
MINIMUM TO EARN
$100
MONTHLY FEE
$0.00
AVAILABLE TERMS
3 to 60months

DCU Certificate Guide

Better returns when rates go up or down.

DCU Certificate Guide

DCU Education Center

Prepare for your financial future.

DCU Education Center

Plan for Your Certificate

Choose from our easy to use calculators to help you manage your certificates and savings goals.

What Our Members Are Saying

Capital retention with good growth

RATINGS 5 5 / 5 stars

While interest rates have remained low for so long, DCU has provided rates better than most. Combined with online banking, DCU is very convenient, and I happen to live not far from a number of lobbies.

Derek – Boxborough, MA

READ MORE REVIEWS

Happy with my Certificates

RATINGS 5 5 / 5 stars

DCU has long excelled over the services of any bank or credit union I have been associated with. The excellent products for the purposes of saving money for the long term. On-line banking and automatic deposits and transfers help me to budget my income without a lot of extra accounting on my personal time. We love DCU!

AJ - Deerfield, NH

READ MORE REVIEWS

Easy to Manage Online

RATINGS 5 5 / 5 stars

I have tried other bank's online tools, and DCU outshines them all. Very intuitive tools that allow you to securely open and close savings and certificates and other accounts. Certificates show up on my DCU statement quickly and are a much less stressful way to grow than the current stock market! No local branches near me, so I

John – Upstate NY

READ MORE REVIEWS

Resources

Materials and resources to help you save for tomorrow's goals.

Get started today in preparing for your financial future by visiting DCU's Education Center.

LEARN MORE

It's never too early or too late to start planning for your children's education after high school.

LEARN MORE

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative.

Online Live Help Hours

MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)