# Dade County Federal Credit Union CD and share certificate rates

As of October 22, 2026, Dade County Federal Credit Union's highest tracked CD (share certificate) rate is 4.10% APY on a 12-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.70% to 3.07% APY.

Canonical page: https://apyledger.com/cd-rates/dade-county-federal-credit-union
Institution: Dade County Federal Credit Union (NCUA 24508)
Aliases: 
Status: live
Last verified: 2026-10-22T16:35:44.000Z (October 22, 2026)
Official source: https://www.dcfcu.org/accounts/share-certificates/
Coverage: Membership required. 6- and 12-month promotional share certificates and standard certificates with balance tiers; a $500 minimum is required to open. Early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 0.70% | Not ZIP-priced | −3.59% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate Promotional | promotional | 6 months | Not stated | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 6 months | $500 | 1.91% | Not ZIP-priced | −2.49% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate Promotional | promotional | 12 months | $500 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 12 months | $500 | 2.92% | Not ZIP-priced | −1.65% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 18 months | $500 | 3.07% | Not ZIP-priced | −1.65% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 18 months | $10,000 | 3.07% | Not ZIP-priced | −1.65% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 18 months | $30,000 | 3.07% | Not ZIP-priced | −1.65% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 60 months | $500 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 60 months | $10,000 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 60 months | $40,000 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 60 months | $70,000 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |
| Share Certificate | standard | 60 months | $100,000 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:35:44.000Z | [Snapshot 427](https://apyledger.com/snapshots/427) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.