With above-average rates, you'll make a wise investment when you choose a Term Share Certificate, the credit union's version of the bank CD (Certificate of Deposit).

What are Certificate of Deposits?

Dupaco's term-share certificates, or certificates of deposits, are federally insured and a good option if you're looking for an investment vehicle with term options (from 6 to 60 months) and a fixed rate. Certificates are automatically renewable and can even be used as security for Dupaco loans.

Open an account

For assistance or more information, contact a member service representative at (563) 557-7600 / 800-373-7600, ext. 206, or service@dupaco.com.


Term Share Certificate Rates

Current as of: 5/20/2018
Term Dividend Rate Annual Percentage Yield Min. to Earn
40 Month Special 2.29% 2.30%1 $5,000
25 Month Special 1.99% 2.00%1 $5,000
12 Month Special 1.49% 1.50%1 $5,000
60 Month 1.64% 1.65%2 $1,000
48 Month 1.30% 1.30%2 $1,000
36 Month 1.05% 1.05%2 $1,000
30 Month 0.95% 0.95%2 $1,000
24 Month 0.80% 0.80%2 $1,000
18 Month 0.70% 0.70%2 $1,000
12 Month 0.60% 0.60%2 $1,000
6 Month 0.35% 0.35%2 $1,000
1Special Term Share Certificate Rate: Minimum amount required to open any Term Share Certificate is $5,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings.
2Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

Comments (8)
 • 9 days 18 hrs 7 mins 49 secs ago
Do you match competitor rates?

Re: CDs
Dupaco Moderator
 • 6 days 5 hrs 57 mins 35 secs ago

Hi Peg, we will have a Member Service Representative reach out to you. Thanks!


 • 9 days 18 hrs 7 mins 49 secs ago
Do you match competitor rates?

Re: CDs
Dupaco Moderator
 • 6 days 5 hrs 57 mins 35 secs ago

Hi Peg, we will have a Member Service Representative reach out to you. Thanks!


Early Withdrawal
 • 59 days 18 hrs 19 mins 55 secs ago
What is the early withdrawal penalty for an 18 month CD?

Re: Early Withdrawal
Dupaco Moderator
 • 58 days 7 hrs 11 mins 13 secs ago

Hi Sam, any type of early withdrawal from a certificate of deposit incurs a penalty of 12 months loss of interest. If you close the entire certificate out prematurely, you lose 12 months of interest. If you only take a partial withdrawal, there will be 12 months loss of interest on the portion withdrawn. If the certificate has not been active for 12 months, the penalty will be either entirely or partly deducted from the principal.


401k Rollovers
 • 798 days 7 hrs 22 mins 41 secs ago
If my past employers do not charge me any extra cost for keeping the 401k there; what is the benefit of rolling the past retirement accts. into my current 401k? Isn't diversity good?

Re: 401k Rollovers
Dupaco Moderator
 • 794 days 2 hrs 49 mins 21 secs ago

Hi Rick, One advantage of combining the plans would be the simplicity of having your funds consolidated. Even though the plans are combined you're still able to diversify investments in the market within your new 401k. But, meeting with one of Dupaco's financial advisors before making any moves is where we'd recommend you begin. Thanks!


Start saving for retirement
 • 807 days 23 hrs 41 mins 39 secs ago
Hello, I am looking into starting to save for retirement. I am only 20 but want to get started sooner than later. Was wondering what my options are and what is the best place to invest my money. Thanks!

Re: Start saving for retirement
Dupaco Moderator
 • 807 days 3 hrs 50 mins 56 secs ago

Hi Blake, we're glad to hear you are ready to start looking into retirement options - way to get ahead of the game! I will have a representative contact you shortly.


what better cd or mutual funds
 • 816 days 4 hrs 55 mins ago
what would you recommend for someone starting late investing do you like mutual funds or cd

Re: what better cd or mutual funds
Dupaco Moderator
 • 815 days 21 hrs 51 mins 6 secs ago

Hi Ty, I will have someone in our IRA department reach out to you soon. Thanks!


 • 870 days 4 hrs 26 mins 34 secs ago
"Fees could reduce earnings on the account." please explain the fees.

Re: Fees?
Dupaco Moderator
 • 867 days 4 hrs 7 mins 45 secs ago

Hi John, the standard penalty is 12 months loss of interest, so if you redeem a CD before you’ve earned the 12 months of interest, the penalty could dip into your principal.


early withdrawal
 • 951 days 23 hrs 15 mins 47 secs ago
What is the penalty fee for early withdrawal?

Re: early withdrawal
Dupaco Moderator
 • 951 days 5 hrs 45 mins 59 secs ago

Hi Brittney, the penalty is 12 months loss of interest.


CD - Add in
Kelli D
 • 1036 days 15 hrs 12 mins 27 secs ago
I was wondering if any of your CD's allow for me to make deposits to it, say every other week or every month, on top of the initial start amount or do all of your CD's only allow a one-time deposit when it is opened for the duration of the term?

Re: CD - Add in
Dupaco Moderator
 • 1035 days 6 hrs 44 mins 15 secs ago

Hi Kelli, unfortunately we do not allow add-on deposit to our CDs at this time.


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