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 different options for terms, minimum balances and fixed or variable rates. Certificates are automatically renewable and can even be used as security for Dupaco loans.

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.

 

Term Share Certificate Specials

Current as of: 12/11/2018
Term Dividend Rate Annual Percentage Yield Min. to Earn
45 Month Fixed Jumbo Certificate Special 3.23% 3.26%1 $100,000
29 Month Fixed Jumbo Certificate Special 2.73% 2.75%1 $100,000
15 Month Fixed Jumbo Certificate Special 2.48% 2.50%1 $100,000
45 Month Fixed Certificate Special 2.99% 3.01%2 $5,000
29 Month Fixed Certificate Special 2.48% 2.50%2 $5,000
15 Month Fixed Certificate Special 2.24% 2.25%2 $5,000
36 Month Variable Certificate Special 3.00% 3.02%3 $50,000
1Special Jumbo Term Share Certificate 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.
2Special Term Share Certificate 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.
3Variable Term Share Certificate Special Rate: Minimum amount required to open any Special Variable Term Share Certificate is $50,000. The dividend rate and annual percentage yield (APY) may change. The APY is accurate as of the last dividend declaration date. The dividend rate on the account is based on Prime Rate as listed in the Wall Street Journal on the last business day of the prior month minus a margin of 2.25%. The dividend rate is subject to change on the account Monthly. The dividend rate will never be less than the rate of the certificate at date of opening. The dividend rate will never be more than 2.00% over the rate of the certificate at the date of opening. 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 principal. The annual percentage yield assumes dividends will remain on deposit until maturity. An early withdrawal will reduce earnings.

Term Share Certificate Rates1

Current as of: 12/11/2018
Term Dividend Rate Annual Percentage Yield Min. to Earn
60 Month 1.64% 1.65% $1,000
48 Month 1.30% 1.30% $1,000
36 Month 1.05% 1.05% $1,000
30 Month 0.95% 0.95% $1,000
24 Month 0.80% 0.80% $1,000
18 Month 0.70% 0.70% $1,000
12 Month 0.60% 0.60% $1,000
6 Month 0.35% 0.35% $1,000
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.

 
Comments (10)
CD question
Dean
 • 1 day 9 hrs 4 mins 41 secs ago
Do I need a checking or savings account to open a CD? Can I have a check mailed to me for the interest on a CD upon its maturity?
 

Re: CD question
Dupaco Moderator
 • 8 hrs 43 mins 27 secs ago

Hi Dean, In order to open a certificate with us, you will need to have a savings account here at Dupaco with the $25 share deposited into it. From there, you can open any additional accounts you would like, including certificates. For the interest, we are able to send you a check semi-annually when the interest posts to the certificate. We had a member service representative reach out to you, so you can feel free to let them know if you have any additional questions.

 

CD question
Dean
 • 1 day 9 hrs 4 mins 41 secs ago
Do I need a checking or savings account to open a CD? Can I have a check mailed to me for the interest on a CD upon its maturity?
 

Re: CD question
Dupaco Moderator
 • 8 hrs 43 mins 27 secs ago

Hi Dean, In order to open a certificate with us, you will need to have a savings account here at Dupaco with the $25 share deposited into it. From there, you can open any additional accounts you would like, including certificates. For the interest, we are able to send you a check semi-annually when the interest posts to the certificate. We had a member service representative reach out to you, so you can feel free to let them know if you have any additional questions.

 

ACTIVE CHECKING ACCT
Rick
 • 58 days 23 hrs 23 mins 42 secs ago
What is Dupaco's active checking definition? Does this include direct deposit? I currently do not have that option at work
 

Re: ACTIVE CHECKING ACCT
Dupaco Moderator
 • 57 days 3 hrs 28 mins 13 secs ago

Hi Rick, Our active personal checking definition, for the Thank Use program, is that you must meet one of the following qualifying criteria: a.) Set up direct deposit into your checking account, then have a total of 5 or more check, debit, or automated clearing house (ACH) transactions on that checking account within 90 consecutive days ending on 9/30/18. OR b.) Or, if you cannot direct deposit into your checking account, then have 10 check transactions, or 8 debit transactions, or 5 automated clearing house (ACH) transactions, or 3 bill pay transactions, on that checking account within 90 consecutive days ending on 9/30/18. We will have someone reach out to you to see if there's a way we can make it easy for your checking to be active.

 

CDs
Peg
 • 214 days 21 hrs 48 mins 2 secs ago
Do you match competitor rates?
 

Re: CDs
Dupaco Moderator
 • 211 days 9 hrs 37 mins 48 secs ago

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

 

Early Withdrawal
Sam
 • 264 days 22 hrs 8 secs ago
What is the early withdrawal penalty for an 18 month CD?
 

Re: Early Withdrawal
Dupaco Moderator
 • 263 days 10 hrs 51 mins 26 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
Rick
 • 1003 days 11 hrs 2 mins 54 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
 • 999 days 6 hrs 29 mins 34 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
Blake
 • 1013 days 3 hrs 21 mins 52 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
 • 1012 days 7 hrs 31 mins 9 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
ty
 • 1021 days 8 hrs 35 mins 13 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
 • 1021 days 1 hr 31 mins 19 secs ago

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

 

Fees?
john
 • 1075 days 8 hrs 6 mins 47 secs ago
"Fees could reduce earnings on the account." please explain the fees.
 

Re: Fees?
Dupaco Moderator
 • 1072 days 7 hrs 47 mins 58 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
Brittney
 • 1157 days 2 hrs 56 mins ago
What is the penalty fee for early withdrawal?
 

Re: early withdrawal
Dupaco Moderator
 • 1156 days 9 hrs 26 mins 12 secs ago

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

 

CD - Add in
Kelli D
 • 1241 days 18 hrs 52 mins 40 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
 • 1240 days 10 hrs 24 mins 28 secs ago

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

 

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