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Jumbo Certificates

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.

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
2.38% APY
RATING
4 4 / 5 stars

MINIMUM TO OPEN

$25,000

MINIMUM TO EARN

$25,000

MONTHLY FEES

$0.00

AVAILABLE TERMS

3 to 60 months

Jumbo Certificate Rates

Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $25,000
48 to 59 months 2.25% 2.28% $25,000
36 to 47 months 2.15% 2.17% $25,000
24 to 35 months 2.05% 2.07% $25,000
12 to 23 months 1.95% 1.97% $25,000
6 to 11 months 1.55% 1.56% $25,000
3 to 5 months 1.30% 1.31% $25,000
Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $25,000
48 to 59 months 2.25% 2.28% $25,000
36 to 47 months 2.15% 2.17% $25,000
24 to 35 months 2.05% 2.07% $25,000
12 to 23 months 1.95% 1.97% $25,000
6 to 11 months 1.55% 1.56% $25,000
3 to 5 months 1.30% 1.31% $25,000

Rates are effective {currentdate}.

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. A Penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements 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 Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend
Length Length Penalty 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The same penalties apply on amounts prematurely withdrawn from a Certificate.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

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Convenience

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

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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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