APY Ledger

DCU (Digital Federal Credit Union) CD & Share Certificate Rates — October 2026

Also known as DCU, Digital Federal Credit Union, First Tech.

As of October 22, 2026, DCU (Digital Federal Credit Union)'s highest CD (share certificate) rate is 3.50% APY on a 12-month CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.00% to 3.50% APY.

Last verified from www.dcu.org · NCUA-insured credit union · San Jose, CA

Tracking began .

Best APY3.50%12 months, $500 min
vs. Treasury−1.07%same-term Treasury 4.57%
vs. national average2.0×FDIC national average 1.76%
After inflation-0.24%CPI 3.7% year over year
$10,000 earns$350over 12 months, before tax

DCU (Digital Federal Credit Union) CD & share certificate rates

Digital Federal Credit Union (DCU) and First Technology Federal Credit Union have merged into one credit union named First Technology Federal Credit Union, according to dcu.org. Rates below are the DCU certificate rates still published at dcu.org.

DCU (Digital Federal Credit Union) CD rates
TermProductMinimumAPYvs. Treasury
3 months Regular Certificate $500 3.00%Verified October 22, 2026 −1.29%
6 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.15%
9 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.23%
12 months Regular Certificate $500 3.50%Verified October 22, 2026 −1.07%
18 months Regular Certificate $500 3.50%Verified October 22, 2026 −1.22%
24 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.62%
36 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.70%
48 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.73%
60 months Regular Certificate $500 3.25%Verified October 22, 2026 −1.76%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are DCU (Digital Federal Credit Union)'s best CD rates by term?

DCU (Digital Federal Credit Union)'s best rate is 3.50% APY on 12 months, verified October 22, 2026.

  1. 3 mo3.00%
  2. 6 mo3.25%
  3. 9 mo3.25%
  4. 12 mo3.50%
  5. 18 mo3.50%
  6. 24 mo3.25%
  7. 36 mo3.25%
  8. 48 mo3.25%
  9. 60 mo3.25%

Calculate earnings at 3.50% for 12 months

How DCU (Digital Federal Credit Union) compares

Rate changes

No changes since we started tracking DCU (Digital Federal Credit Union) on October 22, 2026.

About DCU (Digital Federal Credit Union)

Legal name
First Technology Federal Credit Union
Regulator ID
NCUA 23521
Headquarters
San Jose, CA
Available in
CA, CO, GA, ID, MA, NH, OR, TX, WA
Total assets
$27.9 billion
Also known as
DCU, Digital Federal Credit Union, First Tech
Website
www.dcu.org

Source: rates read from https://www.dcu.org/bank/certificates/regular-certificates.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at DCU (Digital Federal Credit Union)?

3.50% APY on a 12-month CD, as of October 22, 2026.

What is the minimum deposit for a DCU (Digital Federal Credit Union) CD?

The lowest minimum we found is $500.

How does DCU (Digital Federal Credit Union)'s best CD rate compare with Treasury yields?

3.50% APY is −1.07% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 3.50% a good CD rate?

It is 2.0 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are DCU (Digital Federal Credit Union) CDs insured?

DCU (Digital Federal Credit Union) is a federally insured credit union (NCUA 23521). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at DCU (Digital Federal Credit Union)?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check DCU (Digital Federal Credit Union)'s rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from DCU (Digital Federal Credit Union)'s website and may change at any time. Confirm terms, minimums and eligibility with DCU (Digital Federal Credit Union) before opening an account. This page is not financial advice.