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Jump-Up Certificates

Jump-Up Certificates

If certificate rates rise, you can jump your rate, too!

At a Glance

Jump the rate up to one time per term! You're covered when dividend rates go up or down. If rates for the Jump-Up Certificate go up after you open the account, you can jump up to the higher rate for the rest of the term. You decide when.

Benefits

Terms 15 or 27 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
2.02% APY
RATING
4 4 / 5 stars

MINIMUM TO OPEN

$500 on regular certificate

MINIMUM TO EARN

$500 on regular certificate

MONTHLY FEES

$0.00

AVAILABLE TERMS

15 or 27 months

Jump-Up Regular Certificate Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.00% 2.02% $500.00
15 months 1.90% 1.92% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.00% 2.02% $500.00
15 months 1.90% 1.92% $500.00

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, unless you decide to jump up the rate once during the term of the certificate. 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.

Jump-Up Jumbo Certificate Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $25,000
15 months 2.00% 2.02% $25,000
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $25,000
15 months 2.00% 2.02% $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, unless you decide to jump up the rate once during the term of the certificate. 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.

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

Jump-Up Certificate is Great

RATINGS 5 5 / 5 stars

The DCU Jump-Up Certificate is great way to invest $500 or more for a short or long time. DCU always has competitive rates, and outstanding member service.

Tugger - Gardner, MA

READ MORE REVIEWS

Awesome Product

RATINGS 5 5 / 5 stars

Awesome product and easy to open. DCU always is my first choice for any banking need. DCU has great products and tutorials. I recommend DCU to everyone.

Suren - Brentwood, TN

READ MORE REVIEWS

Good rate and flexible

RATINGS 4 4 / 5 stars

Rates as good as any around with the chance to add to the account and up the rate when possible.

DOC- Andover, MA

READ MORE REVIEWS

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