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DCU Routing Number: 211391825

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QuickStart Certificates

Smaller minimum deposit, but great benefits and flexible terms for members under 23.

At a Glance

Members under the age of 23 can get certificate rates on as little as $100.00.


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
4.5 4.5 / 5 stars








3 to 60 months

Regular Certificate Rates and QuickStart Certificate Rates

Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY¹ | $100 for QuickStart Certificates

Term Dividend Rate
60 Months 0.20%
48 to 59 Months 0.20%
36 to 47 Months 0.20%
24 to 35 Months 0.20%
12 to 23 Months 0.20%
6 to 11 Months 0.10%
3 to 5 Months 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. QuickStart Certificates are for members under age 23. 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 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.

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The same penalties apply on amounts prematurely withdrawn from a Certificate.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

Array of options

RATINGS 5 5 / 5 stars

DCU CDs have great options with different durations starting from 3 months. So ideal even to park some cash that you have available for short term. DCU also allows to create these CDs online, by sending a message from online or by calling in. So very easy!

DCU Customer - San Francisco, CA


Investing in a CD

RATINGS 5 5 / 5 stars

Being able to set up a new CD online is such a timesaver and so convenient. I wish all services could be so easy!

Derek - Boxborough, MA


Easy Set Up

RATINGS 5 5 / 5 stars

It was so easy to set this up online and just transfer the funds from one account into here. Also, these are the best rates I could find at the time.

Sal - Alabaster, AL


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