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What Can DCU Save You?

QuickStart Certificate

Members under age 23 can get certificate rates on as little as $100



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Quickstart Certificate

QuickStart Certificate

  • Low $100 minimum to open for members under 23
  • 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 to Details and Rates tabs for additional information and important disclosures.

QuickStart Certificate Details

  • Low $100 minimum – If you're under 23, you can open a QuickStart Certificate and get the same flexible terms as our DCU Regular Certificates, but with a much smaller minimum deposit.
  • 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 QuickStart 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 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.

QuickStart Certificate Rates*

QuickStart Certificate Rates – For members under age 23, minimum balance of $100 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 QuickStart 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).


Quick Start Certificate Accounts is rated 3.0 out of 5 by 2.
Rated 4 out of 5 by from This product is great for those who would like to start saving I love this product just wish that the rates were more clear.
Date published: 2011-10-17
Rated 2 out of 5 by from Account closed. was not told that after a certain age they close out this account. I wouldn't have minded it being closed out but no one informed of this before hand and no one informed me why the account was closed and where my money had gone. I had called up to find out what had happened and basiclly was treated like I was a dumb person that should have known better. Very disappointed with the service.
Date published: 2011-05-24
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Easy Ways To Open A QuickStart Certificate

  1. By Phone – Call 800.328.8797 or 508.263.6700, (select 3).
  2. Any DCU Branch – Visit your local branch to open a certificate today.
  3. By Mail – Fill out an application and mail it in.
  4. By Fax – Fill out an application and fax it to 866.874.7820.

Related Links and Resources