Let us Peak your Interes[S]. $5,000 minimum deposit for a 45-month certificate special 3.01% APY1. Federally insured by the NCUA.Certificates

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 term share certificates?

Dupaco's term-share certificates are federally insured and a good option if you're looking for an investment vehicle with term options and a fixed rate. Certificates are automatically renewable and can even be used as security for Dupaco loans.

Maximize your investment - Participating Dupaco members can share up to an additional $75 in Thank Use bonus dividends during 20182

For more information, or to open a term share certificate, please contact Dupaco's Member Service team by calling 800-373-7600, extension 206, or service@dupaco.com.

2 To be eligible for Thank Use on savings balances, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and have a balance of $1,000.00 or more in combined deposit accounts (savings, money market, IRA, term share certificate, and/or health savings) on 09/30/18.


Term Share Certificate Rates

Current as of: 8/18/2018
Term Dividend Rate Annual Percentage Yield Min. to Earn
45 Month Special 2.99% 3.01%1 $5,000
29 Month Special 2.48% 2.50%1 $5,000
15 Month Special 1.99% 2.00%1 $5,000
60 Month 1.64% 1.65%1 $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)
 • 99 days 12 hrs 36 mins 45 secs ago
Do you match competitor rates?

Re: CDs
Dupaco Moderator
 • 96 days 26 mins 31 secs ago

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


 • 99 days 12 hrs 36 mins 45 secs ago
Do you match competitor rates?

Re: CDs
Dupaco Moderator
 • 96 days 26 mins 31 secs ago

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


Early Withdrawal
 • 149 days 12 hrs 48 mins 51 secs ago
What is the early withdrawal penalty for an 18 month CD?

Re: Early Withdrawal
Dupaco Moderator
 • 148 days 1 hr 40 mins 9 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
 • 888 days 1 hr 51 mins 37 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
 • 883 days 21 hrs 18 mins 17 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
 • 897 days 18 hrs 10 mins 35 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
 • 896 days 22 hrs 19 mins 52 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
 • 905 days 23 hrs 23 mins 56 secs 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
 • 905 days 16 hrs 20 mins 2 secs ago

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


 • 959 days 22 hrs 55 mins 30 secs ago
"Fees could reduce earnings on the account." please explain the fees.

Re: Fees?
Dupaco Moderator
 • 956 days 22 hrs 36 mins 41 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
 • 1041 days 17 hrs 44 mins 43 secs ago
What is the penalty fee for early withdrawal?

Re: early withdrawal
Dupaco Moderator
 • 1041 days 14 mins 55 secs ago

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


CD - Add in
Kelli D
 • 1126 days 9 hrs 41 mins 23 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
 • 1125 days 1 hr 13 mins 11 secs ago

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


Post a Comment

Please provide your information. Name and email address are required. Email address will not be displayed with the comment.
Comment Title:
Please enter the code shown in the image

Thank you. Your comment is being reviewed and if approved, will be posted shortly.