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Share Certificates

DNCU's certificates offer the best dividends for our members. If you can set money aside for anywhere from 3 months to 4 years, you can reap the benefits of our great certificate rates.

All you need is $1,000 to open one of our standard certificates and you earn even more dividends if you achieve $10,000 or $100,000 balances.

DNCU's 65th Anniversary Certificate Special is here!

DNCU is offering a limited time special 2.69% APY* Anniversary Certificate Special with qualifying checking account and recurring direct deposit. Minimum amount $10,000 and maximum amount $100,000 per social security number. The share certificate special term is 8 months and at maturity will rollover to our six month share certificate at our current rates. Offer expires July 9, 2019. See full terms and conditions below.

We've raised our rates! Make sure to see all our current Share Rates here.

*Annual Percentage Yield. In order to qualify for the 65th Anniversary Share Certificate (Certificate), the following requirements must be met: a recurring direct deposit completed into a DNCU checking account product. The share certificate special term is 8 months and at maturity will rollover to our six month share certificate at our current rates. Offer good for new or existing money. Minimum amount $10,000 and maximum amount $100,000 per social security number. Dividends are compounded daily and paid monthly. Early withdrawal penalty does apply. No tiered rates apply on this share certificate special. Terms and conditions are subject to change without notice and offer expires end of business day July 9, 2019.

Certificate Builder

We now offer a Certificate Builder that helps our members who don't have the minimum $1,000 balance work their way towards saving for their future.

With just $50 you can open a Certificate Builder. You must also set up an automatic transfer or deposit for at least $50 each month. Once your Certificate Builder reaches $500, it will be transferred to a 12-month certificate to earn even more dividends. Certain restrictions and fees do apply, so consult your member disclosure packet for details.

To view our current certificate rates, click here.

For related information about share certificates, click any of the links below: