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Regular Certificates

Earn high rates on as little as $500

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Regular Certificates

  • Low $500 minimum to open and earn dividends
  • Terms 3 to 60 months
  • Multiple dividend payment options
  • Automatic renewal saves time
  • Free online, mobile, and branch access
  • Best rates with Relationship benefits
  • Federally insured to $250,000 by NCUA

Please refer Details tab for more information.

Regular Certificate Details

  • Low $500 minimum to open and earn dividends
  • Terms 3 to 60 months – Your initial rate remains in effect for the full term. Dividends are compounded daily and credited monthly.
  • Multiple dividend payment options – You can leave your dividends in the account so they compound or you can have them transferred to your DCU Savings Account each month or at maturity.
  • Automatic renewal saves time – If you want to keep the same term when your Certificate renews, there is nothing you need to do. If you want to make any changes, you can easily let us know through Account Manager in Online Banking.
  • Free online, mobile, and branch access – You can view and access your certificate anytime by logging into Online Banking from your computer, Mobile Banking with your smart phone or iPad, or by visiting any DCU branch.
  • Best rate with Relationship benefits – When you qualify for Relationship benefits on your DCU Checking Account, you'll automatically receive the highest published dividend rate for that DCU Certificate when you open or renew.
  • Federally insured to $250,000 by NCUALearn more about insurance on all your savings at DCU and how to maximize your coverage.

Add-On Feature

You can add $100 or more to your Regular Certificate with a term of 12 months or less. You can use this feature to...

  1. Consolidate multiple certificates as they mature.
  2. Build your savings faster at high certificate rates.
  3. Move savings from other institutions into existing accounts.

Here's how to add to your certificate . . .

  • By Mail – Enclose a check made out to Digital Federal Credit Union or send written transfer instructions with the account number of the certificate you want to add to, the account name and number you are transferring from, and the amount to transfer (minimum $100).
  • By Phone – Call the Information Center at 508.263.6700, (select 3) and provide us with your transfer instructions.
  • By Email – Log on to Online Banking and choose Contact Us. Select General requests or comments. Complete the form. In the box "Please Select the Department" choose Information Center and in the large comment box tell us the one or two digit account number of the certificate you want to add to, the account name and number you are transferring from, and the amount to transfer (minimum $100).
  • By Person – Stop by any DCU branch to make your add-on deposit or transfer.

Regular Certificate Rates*

Regular Certificate Rates – Minimum balance of $500 is required to open your account.

Terms / Features OUR BEST RATES
  Dividend Rate Annual Percentage Yield
60 months 1.74% 1.75%
48 to 59 months 1.49% 1.50%
36 to 47 months 1.30% 1.31%
24 to 35 months 1.15% 1.16%
12 to 23 months. Add-ons permitted for 12-month term. 1.00% 1.01%
6 to 11 months. Add-ons permitted 0.60% 0.60%
3 to 5 months. Add-ons permitted. 0.50% 0.50%

Rates are effective .

* Dividend rates shown are for members who qualify for Relationship benefits on their DCU Checking Account. Without Relationship benefits, you'll earn .25% less than dividend rates shown above. Rates determined by term of Certificate.

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.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Early Certificate Closing Penalties*

Length Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend

* When you qualify for Relationship benefits on your DCU Checking Account, you'll automatically receive the highest published dividend rate for that DCU Certificate when you open or renew.

The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges (html) (or as a printable pdf).

Regular Certificate Accounts is rated 4.2 out of 5 by 160.
Rated 5 out of 5 by from Excellent customer service!!! Every time I call customer service DCU never disappoints!! They are always on top and very very helpful! Thank you DCU!
Date published: 2017-10-28
Rated 5 out of 5 by from Amazing Banking Thank You for being there. It is very fast and accurate. Best regards
Date published: 2017-09-16
Rated 5 out of 5 by from I am happy with my CDs. 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. The ease of having multiple member described shares accounts to help keep good budgeting practices. On-line banking and automatic deposits and transfers help me to budget my incoming without a lot of extra accounting on my personal time. The loan products are also great and the automated transfers make it easy to make the payments on time. Lastly the excellent people who work there are always helpful and contribute greatly to the money management experience. We love DCU
Date published: 2017-08-05
Rated 5 out of 5 by from The CD has good APY compared to other banks I compared the APY rates at other banks in our area and DCU has the best rates for this 12 month term certificate. The rates are still lower than I would like to see for a 12 month CD but, again better than other banks
Date published: 2017-06-25
Rated 5 out of 5 by from 100 this product are very good. I really love the service.
Date published: 2017-06-24
Rated 5 out of 5 by from Excellent Product Highest return out there. I use mobile banking and online chat all the time. Love the app and reps are always friendly and helpful.
Date published: 2017-04-22
Rated 5 out of 5 by from Array of options, easy to create and easy to maintain 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!!
Date published: 2017-04-02
Rated 5 out of 5 by from Good Continue with your good work helping customers and consuners, DCU should more branches across the country, a branch in every state which will many more consumers to Bank with DCU and utilize their services
Date published: 2017-03-25
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How long does it take to transfer funds from a certificate to another account after a request has been made?

Asked by: DT7
Within 1 business day
Answered by: 1chester
Date published: 2014-04-10

is there an instrument other than a 529, that I can deposit cash into a Grandchild account that the parents will not be taxed ?

Asked by: garagedrmn
You should confirm this, but I believe you can gift up to $14,000 per year ($28,000 for couples) to individuals without any tax implications for anyone. Beyond that amount, you would need to file a gift tax form to reduce your unified credit. Also be mindful of triggering Generation Skipping Tax under certain circumstances.
Answered by: Ancient Geek
Date published: 2016-01-16

Is this an accurate DCU CD calculation?

Ok so if I understand this correctly, if I open a regular 12 month CD and deposit $1,000 at 1.75%, at the end of the 12 months I will have approximately $1,018?
Asked by: Jefferson
Sound right to me. Also the interest is taxable, of course.
Answered by: Ancient Geek
Date published: 2016-01-16

What happens if I have to cash out a CD 2 months early?

Asked by: SSS226
If you withdraw funds from a Certificate prior to maturity a penalty will be assessed. You may complete the form to Withdraw funds from the Account Manager menu in PC Branch (top center) and then choose the Manage Accounts tab to locate this form. The dividend penalties are calculated as follows: 1. If the term is at least 90 days but less than 1 year, I shall forfeit an amount equal to the lesser of: (a) All dividends (accrued and posted) for 60 days on the amount withdrawn, or (b) All dividends on the amount withdrawn since the date of issuance or renewal not to be less than 7 days’ dividends on a new certificate. 2. If the term is at least 1 year but less than 3 years, I shall forfeit an amount equal to the lesser of: (a) All dividends (accrued and posted) for 90 days on the amount withdrawn, or (b) All dividends on the amount withdrawn since the date of issuance or renewal not to be less than 7 days’ dividends on a new certificate. 3. If the term is at least 3 years or greater, I shall forfeit an amount equal to the lesser of: (a) All dividends (accrued and posted) for 180 days on the amount withdrawn, or (b) All dividends on the amount withdrawn since the date of issuance or renewal not to be less than 7 days’ dividends on a new certificate.
Answered by: DCU Staff
Date published: 2016-06-07

Does anyone know if there is a form to Early Withdrawal/Closing of CD. A link to the form would be wonderful to have.

Searching the DCU site did not show any link to the form. However, there is only static text that talks about the early withdrawal/closing penalties.
Asked by: Rambling Jack
The Withdraw Funds form for Certificates is available in Online Banking. Once logged in, select the ACCOUNT MANAGER tab, Home, Manage Accounts, then the Withdraw Funds link below Certificates.
Answered by: DCU Staff
Date published: 2015-06-27
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Easy Ways To Open A Regular Certificate

  1. Open Online
  2. Log into Online Banking
    Choose Open Accounts and fund your new Certificate with a transfer.
  3. By Phone
    Call 508.263.6700, then select 3.
  4. Visit a DCU Branch