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!
| Term | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn |
|---|---|---|---|
| 7 Month Fixed Jumbo Certificate Special | 4.30% | 4.35%1 | $100,000 |
| 7 Month Fixed Certificate Special | 4.20% | 4.25%2 | $1,000 |
| 15 Month Fixed Jumbo Certificate Special | 4.20% | 4.25%1 | $100,000 |
| 15 Month Fixed Certificate Special | 4.10% | 4.15%2 | $1,000 |
| Rates are effective as of 1/15/2025 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. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal. 2Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. 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. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal. |
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| Term | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Earn |
|---|---|---|---|
| 60 Month | 2.39% | 2.40% | $1,000 |
| 48 Month | 2.53% | 2.55% | $1,000 |
| 36 Month | 2.68% | 2.70% | $1,000 |
| 30 Month | 2.88% | 2.90% | $1,000 |
| 24 Month | 3.08% | 3.10% | $1,000 |
| 18 Month | 3.22% | 3.25% | $1,000 |
| 12 Month | 3.47% | 3.50% | $1,000 |
| 6 Month | 3.81% | 3.85% | $1,000 |
| Rates are effective as of 1/15/2025 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. |
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Resources to help you make the most of your savings
Have questions? Ready to save with a certificate?
Drop us your information below, or call us at 800-373-7600, ext. 206. Already a Dupaco member? Open your certificate here.
- Certificate Calculator
See what a term-share certificate/investment could be worth. - Savings Dividends
Estimate how much money you’ll have in your savings account in the future. - Save toward a goal
Determine what you’ll need to save each month to reach your next big purchase. - Savings Budget
Find out how much you can put away based on your monthly income and spending.
