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Term-share certificates
Build your savings with a higher interest rate

Earn above-average rates when you commit to saving for a few months—or a few years! Term-share certificates (the credit union version of bank CDs) are a smart investment because they reward you for taking a deliberate approach to saving.

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To learn more about this special or additional term share certificate specials, contact us at 800-373-7600 or service@dupaco.com. It’s in your best interest!

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1Annual Percentage Yield (APY) is accurate as of 9/27/22. Minimum balance required to earn the advertised rate for this 39-month Term. Share Certificate is $100,000. A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on this account.

Saving (and earning) with a term-share certificate is easy.
Here's how it works:


Choose how long you want to save—and earn!


Earn fixed rates that are better than the average savings account.


Watch your savings grow! Hint: There’s a penalty for early withdrawal.


At the end of your term, your certificate will automatically renew.

Rates
Higher rates. Guaranteed earnings.

Term-share certificates are a smart way to save for large purchases like a vehicle or a home, future expenses like college or retirement, and any other savings goal. You can even use a certificate as security for a loan from Dupaco!

Thank Use Participation Dividends Eligible
TermDividend RateAnnual Percentage Yield (APY)1Min. to Earn
60 Month1.15%1.15%$1,000
48 Month0.95%0.95%$1,000
36 Month0.90%0.90%$1,000
30 Month0.85%0.85%$1,000
24 Month0.80%0.80%$1,000
18 Month0.70%0.70%$1,000
12 Month0.60%0.60%$1,000
6 Month0.50%0.50%$1,000
Rates are effective as of 08/22/2022 and are subject to change without notice.

1Term 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.
TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
39 Month Fixed Jumbo Certificate Special3.67%3.70%1$100,000
39 Month Fixed Certificate Special3.57%3.60%2$5,000
25 Month Fixed Jumbo Certificate Special3.37%3.40%1$100,000
25 Month Fixed Certificate Special3.27%3.30%2$5,000
15 Month Fixed Jumbo Certificate Special2.98%3.00%1$100,000
15 Month Fixed Certificate Special2.88%2.90%2$5,000
Rates are effective as of 09/26/2022 and are subject to change without notice.

1Fixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000. 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.
2Fixed Certificate Special Rate: Minimum amount required to open any Special 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.
Resources to help you make the most of your savings
Can A Term-share Certificate Help Boost Your Savings?

Can a term-share certificate help boost your savings?

See How A Little Can Grow Into A Lot With These Investing Strategies

See how a little can grow into a lot with these investing strategies

Calculate What Your Term-share Certificate Could Be Worth

Calculate what your term-share certificate could be worth

Questions

Have questions? Ready to open a term-share certificate?

Drop us your information below, or call us at 800-373-7600, ext. 206.

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