# DCU (Digital Federal Credit Union) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/dcu
Institution: First Technology Federal Credit Union (NCUA 23521)
Aliases: DCU, Digital Federal Credit Union, First Tech
Status: live
Last verified: 2026-10-22T06:58:14.000Z (October 22, 2026)
Official source: https://www.dcu.org/bank/certificates/regular-certificates.html
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 18 months | $500 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 24 months | $500 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |
| Regular Certificate | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T06:58:14.000Z | [Snapshot 148](https://apyledger.com/snapshots/148) |

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.