APY Ledger

Del Norte Credit Union CD & Share Certificate Rates — October 2026

As of October 22, 2026, Del Norte Credit Union's highest tracked CD (share certificate) rate is 5.23% APY on a 13-month promotional CD ($100,000 minimum). That is 3.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.56% to 4.18% APY.

Last verified from www.dncu.com · NCUA-insured credit union · Los Alamos, NM

Tracking began .

Best APY5.23%13 months, $100,000 min
vs. Treasury+0.63%same-term Treasury 4.60%
vs. national average3.0×FDIC national average 1.76%
After inflation1.49%CPI 3.7% year over year
$10,000 earns$567over 13 months, before tax

Del Norte Credit Union CD & share certificate rates

Membership required. Certificates from 3 to 60 months, including 8- and 13-month specials, with $1,000, $10,000 and $100,000 balance tiers. Early withdrawal penalties may apply.

Del Norte Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months Share Certificate - $100,000+ Minimum Balance $100,000 3.67%Top 21% · $10k reference sampleVerified October 22, 2026 −0.63%
3 months Share Certificate - $10,000+ Minimum Balance $10,000 3.61%Top 22% · $10k reference sampleVerified October 22, 2026 −0.69%
3 months Share Certificate - $1,000+ Minimum Balance $1,000 3.56%Top 22% · $10k reference sampleVerified October 22, 2026 −0.73%
6 months Share Certificate - $100,000+ Minimum Balance $100,000 3.92%Top 25% · $10k reference sampleVerified October 22, 2026 −0.48%
6 months Share Certificate - $10,000+ Minimum Balance $10,000 3.87%Top 26% · $10k reference sampleVerified October 22, 2026 −0.53%
6 months Share Certificate - $1,000+ Minimum Balance $1,000 3.82%Top 30% · $10k reference sampleVerified October 22, 2026 −0.58%
8 months Share Certificate - $100,000+ Minimum Balance Promotional $100,000 4.45%Verified October 22, 2026 −0.00%
8 months Share Certificate - $10,000+ Minimum Balance Promotional $10,000 4.39%Verified October 22, 2026 −0.06%
8 months Share Certificate - $1,000+ Minimum Balance Promotional $1,000 4.34%Verified October 22, 2026 −0.11%
9 months Share Certificate - $100,000+ Minimum Balance $100,000 3.92%Top 33% · $10k reference sampleVerified October 22, 2026 −0.56%
9 months Share Certificate - $10,000+ Minimum Balance $10,000 3.87%Top 35% · $10k reference sampleVerified October 22, 2026 −0.61%
9 months Share Certificate - $1,000+ Minimum Balance $1,000 3.82%Top 39% · $10k reference sampleVerified October 22, 2026 −0.66%
12 months Share Certificate - $100,000+ Minimum Balance $100,000 3.92%Top 34% · $10k reference sampleVerified October 22, 2026 −0.65%
12 months Share Certificate - $10,000+ Minimum Balance $10,000 3.87%Top 37% · $10k reference sampleVerified October 22, 2026 −0.70%
12 months Share Certificate - $1,000+ Minimum Balance $1,000 3.82%Top 39% · $10k reference sampleVerified October 22, 2026 −0.75%
13 months Share Certificate - $100,000+ Minimum Balance Promotional $100,000 5.23%Verified October 22, 2026 +0.63%
13 months Share Certificate - $10,000+ Minimum Balance Promotional $10,000 5.18%Verified October 22, 2026 +0.58%
13 months Share Certificate - $1,000+ Minimum Balance Promotional $1,000 5.13%Verified October 22, 2026 +0.53%
18 months Share Certificate - $100,000+ Minimum Balance $100,000 3.92%Top 36% · $10k reference sampleVerified October 22, 2026 −0.80%
18 months Share Certificate - $10,000+ Minimum Balance $10,000 3.87%Top 38% · $10k reference sampleVerified October 22, 2026 −0.85%
18 months Share Certificate - $1,000+ Minimum Balance $1,000 3.82%Top 41% · $10k reference sampleVerified October 22, 2026 −0.90%
24 months Share Certificate - $100,000+ Minimum Balance $100,000 4.18%Top 19% · $10k reference sampleVerified October 22, 2026 −0.69%
24 months Share Certificate - $10,000+ Minimum Balance $10,000 4.13%Top 19% · $10k reference sampleVerified October 22, 2026 −0.74%
24 months Share Certificate - $1,000+ Minimum Balance $1,000 4.08%Top 21% · $10k reference sampleVerified October 22, 2026 −0.79%
36 months Share Certificate - $100,000+ Minimum Balance $100,000 4.18%Top 13% · $10k reference sampleVerified October 22, 2026 −0.77%
36 months Share Certificate - $10,000+ Minimum Balance $10,000 4.13%Top 14% · $10k reference sampleVerified October 22, 2026 −0.82%
36 months Share Certificate - $1,000+ Minimum Balance $1,000 4.08%Top 17% · $10k reference sampleVerified October 22, 2026 −0.87%
48 months Share Certificate - $100,000+ Minimum Balance $100,000 4.18%Top 14% · $10k reference sampleVerified October 22, 2026 −0.80%
48 months Share Certificate - $10,000+ Minimum Balance $10,000 4.13%Top 16% · $10k reference sampleVerified October 22, 2026 −0.85%
48 months Share Certificate - $1,000+ Minimum Balance $1,000 4.08%Top 18% · $10k reference sampleVerified October 22, 2026 −0.90%
60 months Share Certificate - $100,000+ Minimum Balance $100,000 4.18%Top 16% · $10k reference sampleVerified October 22, 2026 −0.83%
60 months Share Certificate - $10,000+ Minimum Balance $10,000 4.13%Top 18% · $10k reference sampleVerified October 22, 2026 −0.88%
60 months Share Certificate - $1,000+ Minimum Balance $1,000 4.08%Top 19% · $10k reference sampleVerified October 22, 2026 −0.93%

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.

Watch the renewal rate

The best promotional rate here is 5.23% APY (13 months). The standard rate for a similar term is 3.92% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $131 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal · Set a maturity reminder

What are Del Norte Credit Union's best CD rates by term?

Del Norte Credit Union's best rate is 5.23% APY on 13 months, verified October 22, 2026.

  1. 3 mo3.67%
  2. 6 mo3.92%
  3. 8 mo4.45%
  4. 9 mo3.92%
  5. 12 mo3.92%
  6. 13 mo5.23%
  7. 18 mo3.92%
  8. 24 mo4.18%
  9. 36 mo4.18%
  10. 48 mo4.18%
  11. 60 mo4.18%

Calculate earnings at 5.23% for 13 months

How much interest could a Del Norte Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

$561.75 interest · $10,561.75 at maturity on $10,000.00.

5.18% APY · 13 months · Share Certificate - $10,000+ Minimum Balance · Promotional · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$43.803.56% APY · Share Certificate - $1,000+ Minimum Balance · Standard$88.813.61% APY · Share Certificate - $10,000+ Minimum Balance · Standard$222.023.61% APY · Share Certificate - $10,000+ Minimum Balance · Standard$444.043.61% APY · Share Certificate - $10,000+ Minimum Balance · Standard
6 months$94.873.82% APY · Share Certificate - $1,000+ Minimum Balance · Standard$192.193.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$480.483.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$960.973.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard
8 months$143.444.34% APY · Share Certificate - $1,000+ Minimum Balance · Promotional$290.164.39% APY · Share Certificate - $10,000+ Minimum Balance · Promotional$725.414.39% APY · Share Certificate - $10,000+ Minimum Balance · Promotional$1,450.814.39% APY · Share Certificate - $10,000+ Minimum Balance · Promotional
9 months$142.713.82% APY · Share Certificate - $1,000+ Minimum Balance · Standard$289.143.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$722.843.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$1,445.683.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard
12 months$191.003.82% APY · Share Certificate - $1,000+ Minimum Balance · Standard$387.003.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$967.503.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$1,935.003.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard
13 months$278.165.13% APY · Share Certificate - $1,000+ Minimum Balance · Promotional$561.755.18% APY · Share Certificate - $10,000+ Minimum Balance · Promotional$1,404.385.18% APY · Share Certificate - $10,000+ Minimum Balance · Promotional$2,808.755.18% APY · Share Certificate - $10,000+ Minimum Balance · Promotional
18 months$289.493.82% APY · Share Certificate - $1,000+ Minimum Balance · Standard$586.633.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$1,466.583.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard$2,933.163.87% APY · Share Certificate - $10,000+ Minimum Balance · Standard
24 months$416.324.08% APY · Share Certificate - $1,000+ Minimum Balance · Standard$843.064.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$2,107.644.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$4,215.284.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard
36 months$637.314.08% APY · Share Certificate - $1,000+ Minimum Balance · Standard$1,290.884.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$3,227.194.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$6,454.384.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard
48 months$867.314.08% APY · Share Certificate - $1,000+ Minimum Balance · Standard$1,757.194.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$4,392.974.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$8,785.944.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard
60 months$1,106.704.08% APY · Share Certificate - $1,000+ Minimum Balance · Standard$2,242.764.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$5,606.904.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard$11,213.804.13% APY · Share Certificate - $10,000+ Minimum Balance · Standard

How Del Norte Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 64 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Del Norte Credit Union CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
Del Norte Credit Union (this institution) (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional13 months$100,000 Coverage: NM5.23%October 22, 2026
CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard13 months$1,000 Nationwide; check eligibility4.50%October 22, 2026
Sallie Mae BankCertificate of Deposit (CD) · Standard13 months$2,500 Nationwide; check eligibility4.50%October 22, 2026
Synchrony BankCD · Standard13 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
Treasury (APY-equivalent)13 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.60%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Del Norte Credit Union on October 22, 2026.

About Del Norte Credit Union

Legal name
Del Norte Credit Union
Regulator ID
NCUA 64759
Headquarters
Los Alamos, NM
Available in
NM
Total assets
$1.5 billion
Also known as
Website
www.dncu.com

Source: rates read from https://www.dncu.com/personal/certificates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Del Norte Credit Union?

Among the rates we track, 5.23% APY on a 13-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Del Norte Credit Union CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.

How does Del Norte Credit Union's best CD rate compare with Treasury yields?

5.23% APY is +0.63% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 5.23% a good CD rate?

It is 3.0 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 Del Norte Credit Union CDs insured?

Del Norte Credit Union is a federally insured credit union (NCUA 64759). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Del Norte 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 Del Norte 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 Del Norte Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Del Norte Credit Union before opening an account. This page is not financial advice.