Share Certificates

Invest safely with Share Certificates. If you are saving for long-term goals, then share certificates may be for you. Certificates offer fixed rates and guaranteed returns and may be opened with as little as $500. You choose the term to match your goals, from 6 months to five years, and we will provide you a highly competitive, fixed interest rate, and our dividends are paid monthly.

For added convenience, we offer two special-feature Certificates.

  • The 12-Month STEP-UP share certificate which features an option to change the rate one time during the term in the event that certificate rates increase. Members must contact DCCU to take advantage of the STEP-UP option.
  • The 24-Month Add-On Certificate, which allows additional deposits into the existing account, of up to $10,000 maximum per year.