skip to Main Content
Certificates
Build your savings with a higher dividend 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.

 
Saving (and earning) with a Term-Share Certificate is easy.
Here's how it works:
Choose how long you want to save—and earn!

Choose how long you want to save—and earn!

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

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

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

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

Already a member? Open your certificate

Not a member yet? Get started here.

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!

TermDividend RateAnnual Percentage Yield (APY)Min. to Earn
7 Month Fixed Jumbo Certificate Special 5.03%5.10%1$100,000
7 Month Fixed Certificate Special4.93%5.00%2$1,000
Rates are effective as of 1/22/2024 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.
TermDividend RateAnnual Percentage Yield (APY)1Min. to Earn
60 Month1.30%1.30%$1,000
48 Month1.15%1.15%$1,000
36 Month1.00%1.00%$1,000
30 Month1.00%1.00%$1,000
24 Month1.00%1.00%$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 07/1/2023 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.
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 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.

Name(Required)
Are you a Dupaco member?
  • 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.
You May Also Want to Consider
Search
Click for Online Chat