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DCU Routing Number: 211391825

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Jumbo Certificates

Low $25,000 minimum to earn high jumbo rates.

At a Glance

Earn a better rate for balances $25,000 and above. Compare with higher minimum jumbos elsewhere.


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
0.20% APY
4 4 / 5 stars








3 to 60 months

Jumbo Certificate Rates

Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY¹

Term Dividend Rate APY¹
60 Months 0.20% 0.20%
48 to 59 Months 0.20% 0.20%
36 to 47 Months 0.20% 0.20%
24 to 35 Months 0.20% 0.20%
12 to 23 Months 0.20% 0.20%
6 to 11 Months 0.10% 0.10%
3 to 5 Months 0.10% 0.10%

¹APY = Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. 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 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 Certificate Closing Penalties

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The same penalties apply on amounts prematurely withdrawn from a Certificate.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.

What Our Members Are Saying

Great rates

RATINGS 5 5 / 5 stars

After reviewing many other financial institutions, I found that DCU had better rates than most. I've been a DCU member over 30 years, and have always found the service to be exceptional.

TStL - Londonberry, NH



RATINGS 5 5 / 5 stars

Jumbo Certificate accounts are perfect for us as retirees.... we take the mandatory amount from our IRAs, put half into Jumbo Certificates due in 6 months, and live off of other half.

BJ - Littleton, MA


Best Interest Rates

RATINGS 5 5 / 5 stars

DCU has the best interest rates for CDs available. It was very easy to apply for the CD and it’s even simpler to renew them. CDs will automatically renew but can be easily changed at the end of the period.

KP - Pocahontas, TN


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