# Del Norte Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/del-norte-credit-union
Institution: Del Norte Credit Union (NCUA 64759)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:40.000Z (October 22, 2026)
Official source: https://www.dncu.com/personal/certificates/
Coverage: 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.
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 - $100,000+ Minimum Balance | standard | 3 months | $100,000 | 3.67% | Not ZIP-priced | −0.63% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 3 months | $10,000 | 3.61% | Not ZIP-priced | −0.69% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 3 months | $1,000 | 3.56% | Not ZIP-priced | −0.73% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 6 months | $100,000 | 3.92% | Not ZIP-priced | −0.48% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 6 months | $10,000 | 3.87% | Not ZIP-priced | −0.53% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 6 months | $1,000 | 3.82% | Not ZIP-priced | −0.58% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | promotional | 8 months | $100,000 | 4.45% | Not ZIP-priced | −0.00% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | promotional | 8 months | $10,000 | 4.39% | Not ZIP-priced | −0.06% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | promotional | 8 months | $1,000 | 4.34% | Not ZIP-priced | −0.11% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 9 months | $100,000 | 3.92% | Not ZIP-priced | −0.56% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 9 months | $10,000 | 3.87% | Not ZIP-priced | −0.61% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 9 months | $1,000 | 3.82% | Not ZIP-priced | −0.66% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 12 months | $100,000 | 3.92% | Not ZIP-priced | −0.65% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 12 months | $10,000 | 3.87% | Not ZIP-priced | −0.70% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 12 months | $1,000 | 3.82% | Not ZIP-priced | −0.75% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | promotional | 13 months | $100,000 | 5.23% | Not ZIP-priced | +0.63% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | promotional | 13 months | $10,000 | 5.18% | Not ZIP-priced | +0.58% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | promotional | 13 months | $1,000 | 5.13% | Not ZIP-priced | +0.53% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 18 months | $100,000 | 3.92% | Not ZIP-priced | −0.80% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 18 months | $10,000 | 3.87% | Not ZIP-priced | −0.85% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 18 months | $1,000 | 3.82% | Not ZIP-priced | −0.90% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 24 months | $100,000 | 4.18% | Not ZIP-priced | −0.69% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 24 months | $10,000 | 4.13% | Not ZIP-priced | −0.74% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 24 months | $1,000 | 4.08% | Not ZIP-priced | −0.79% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 36 months | $100,000 | 4.18% | Not ZIP-priced | −0.77% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 36 months | $10,000 | 4.13% | Not ZIP-priced | −0.82% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 36 months | $1,000 | 4.08% | Not ZIP-priced | −0.87% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 48 months | $100,000 | 4.18% | Not ZIP-priced | −0.80% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 48 months | $10,000 | 4.13% | Not ZIP-priced | −0.85% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 48 months | $1,000 | 4.08% | Not ZIP-priced | −0.90% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $100,000+ Minimum Balance | standard | 60 months | $100,000 | 4.18% | Not ZIP-priced | −0.83% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $10,000+ Minimum Balance | standard | 60 months | $10,000 | 4.13% | Not ZIP-priced | −0.88% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |
| Share Certificate - $1,000+ Minimum Balance | standard | 60 months | $1,000 | 4.08% | Not ZIP-priced | −0.93% | 2026-10-22T16:21:40.000Z | [Snapshot 337](https://apyledger.com/snapshots/337) |

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.