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.
Why Choose a Certificate?
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!
How It Works
Saving (and earning) with term-share certificates is easy. All you have to do is decide how long you’d like to commit to saving and make an opening deposit. After that, your certificate does all the work for you!
- Choose how long you want to save and earn. We offer terms from 6 to 60 months!
- Earn fixed rates that are better than the average savings account.
- Let your savings grow (there’s a penalty for early withdrawal).
- At the end of your term, your certificate will automatically renew.
Current Rates
| Term | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Earn |
|---|---|---|---|
| 60 Month | 0.75% | 0.75% | $1,000 |
| 48 Month | 0.60% | 0.60% | $1,000 |
| 36 Month | 0.55% | 0.55% | $1,000 |
| 30 Month | 0.50% | 0.50% | $1,000 |
| 24 Month | 0.45% | 0.45% | $1,000 |
| 18 Month | 0.40% | 0.40% | $1,000 |
| 12 Month | 0.35% | 0.35% | $1,000 |
| 6 Month | 0.25% | 0.25% | $1,000 |
| Rates are effective as of 01/01/2022 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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| Term | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn |
|---|---|---|---|
| 39 Month Fixed Jumbo Certificate Special | 1.89% | 1.90%1 | $100,000 |
| 39 Month Fixed Certificate Special | 1.79% | 1.80%2 | $5,000 |
| 25 Month Fixed Jumbo Certificate Special | 1.64% | 1.65%1 | $100,000 |
| 25 Month Fixed Certificate Special | 1.54% | 1.55%2 | $5,000 |
| 15 Month Fixed Jumbo Certificate Special | 1.00% | 1.00%1 | $100,000 |
| 15 Month Fixed Certificate Special | 0.90% | 0.90%2 | $5,000 |
| Rates are effective as of 05/23/2022 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. A withdrawal will reduce earnings. 2Fixed Certificate Special 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. |
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- Certificate/CD Calculator
See what a term-share certificate/CD investment could be worth. - Savings Interest
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.
