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: 10/21/2018
Term Dividend Rate Annual Percentage Yield Min. to Earn
45 Month Jumbo Certificate Special 3.23% 3.26%3 $100,000
29 Month Jumbo Certificate Special 2.73% 2.75%3 $100,000
15 Month Jumbo Certificate Special 2.24% 2.25%3 $100,000
45 Month Certificate Special 2.99% 3.01%1 $5,000
29 Month Certificate Special 2.48% 2.50%2 $5,000
15 Month Certificate Special 1.99% 2.00%2 $5,000
60 Month 1.64% 1.65%2 $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.
3Special Jumbo Term Share Certificate Rate:Minimum amount required to open any 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.

 
Comments (9)
ACTIVE CHECKING ACCT
Rick
 • 7 days 13 hrs 11 mins 15 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
 • 5 days 17 hrs 15 mins 46 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.

 

ACTIVE CHECKING ACCT
Rick
 • 7 days 13 hrs 11 mins 15 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
 • 5 days 17 hrs 15 mins 46 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
 • 163 days 11 hrs 35 mins 35 secs ago
Do you match competitor rates?
 

Re: CDs
Dupaco Moderator
 • 159 days 23 hrs 25 mins 21 secs ago

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

 

Early Withdrawal
Sam
 • 213 days 11 hrs 47 mins 41 secs ago
What is the early withdrawal penalty for an 18 month CD?
 

Re: Early Withdrawal
Dupaco Moderator
 • 212 days 38 mins 59 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
 • 952 days 50 mins 27 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
 • 947 days 20 hrs 17 mins 7 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
 • 961 days 17 hrs 9 mins 25 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
 • 960 days 21 hrs 18 mins 42 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
 • 969 days 22 hrs 22 mins 46 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
 • 969 days 15 hrs 18 mins 52 secs ago

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

 

Fees?
john
 • 1023 days 21 hrs 54 mins 20 secs ago
"Fees could reduce earnings on the account." please explain the fees.
 

Re: Fees?
Dupaco Moderator
 • 1020 days 21 hrs 35 mins 31 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
 • 1105 days 16 hrs 43 mins 33 secs ago
What is the penalty fee for early withdrawal?
 

Re: early withdrawal
Dupaco Moderator
 • 1104 days 23 hrs 13 mins 45 secs ago

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

 

CD - Add in
Kelli D
 • 1190 days 8 hrs 40 mins 13 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
 • 1189 days 12 mins 1 sec 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.
 
Name:
Email:
Comment Title:
Comment:
 
Security:
Please enter the code shown in the image
 
 
 

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