DFCU Financial CD & Share Certificate Rates — October 2026
As of October 22, 2026, DFCU Financial's highest CD (share certificate) rate is 4.40% APY on a 24-month CD ($1,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 4.40% APY.
Tracking began .
DFCU Financial CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 3 months | Share Certificate | 3.75%Verified October 22, 2026 |
| 6 months | Share Certificate | 4.00%Verified October 22, 2026 |
| 11 months | Share Certificate Promotional | 4.25%Verified October 22, 2026 |
| 12 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 18 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 18 months | Share Certificate | 3.35%Verified October 22, 2026 |
| 18 months | Share Certificate | 3.25%Verified October 22, 2026 |
| 24 months | Share Certificate | 4.40%Verified October 22, 2026 |
| 36 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 36 months | Share Certificate | 3.35%Verified October 22, 2026 |
| 36 months | Share Certificate | 3.25%Verified October 22, 2026 |
| 60 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 60 months | Share Certificate | 3.35%Verified October 22, 2026 |
| 60 months | Share Certificate | 3.25%Verified October 22, 2026 |
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 4.25% APY (11 months). The standard rate for a similar term is 3.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $75 less per year. Check the account terms and set a reminder before maturity.
What are DFCU Financial's best CD rates by term?
DFCU Financial's best rate is 4.40% APY on 24 months, verified October 22, 2026.
- 3 mo3.75%
- 6 mo4.00%
- 11 mo4.25%
- 12 mo3.50%
- 18 mo3.50%
- 24 mo4.40%
- 36 mo3.50%
- 60 mo3.50%
How much interest could a DFCU Financial 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.103.75% APY · Share Certificate · Standard | $92.213.75% APY · Share Certificate · Standard | $230.513.75% APY · Share Certificate · Standard | $461.033.75% APY · Share Certificate · Standard |
| 6 months | $99.294.00% APY · Share Certificate · Standard | $198.594.00% APY · Share Certificate · Standard | $496.474.00% APY · Share Certificate · Standard | $992.934.00% APY · Share Certificate · Standard |
| 11 months | $194.704.25% APY · Share Certificate · Promotional | $389.404.25% APY · Share Certificate · Promotional | $973.494.25% APY · Share Certificate · Promotional | $1,946.994.25% APY · Share Certificate · Promotional |
| 12 months | $175.003.50% APY · Share Certificate · Standard | $350.003.50% APY · Share Certificate · Standard | $875.003.50% APY · Share Certificate · Standard | $1,750.003.50% APY · Share Certificate · Standard |
| 18 months | $245.953.25% APY · Share Certificate · Standard | $491.903.25% APY · Share Certificate · Standard | $1,267.903.35% APY · Share Certificate · Standard | $2,535.803.35% APY · Share Certificate · Standard |
| 24 months | $449.684.40% APY · Share Certificate · Standard | $899.364.40% APY · Share Certificate · Standard | $2,248.404.40% APY · Share Certificate · Standard | $4,496.804.40% APY · Share Certificate · Standard |
| 60 months | $867.063.25% APY · Share Certificate · Standard | $1,734.113.25% APY · Share Certificate · Standard | $4,477.623.35% APY · Share Certificate · Standard | $8,955.243.35% APY · Share Certificate · Standard |
How DFCU Financial compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 59 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| DFCU Financial (this institution)Share Certificate · Standard | 24 months | $1,000 | Coverage: FL, MI | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank) (highest tracked APY for this term)Bank CD · Promotional | 24 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking DFCU Financial on October 22, 2026.
About DFCU Financial
- Legal name
- DFCU Financial Credit Union
- Regulator ID
- NCUA 61844
- Headquarters
- Dearborn, MI
- Available in
- FL, MI
- Total assets
- $8.0 billion
- Also known as
- DFCU Financial Credit Union
- Website
- www.dfcufinancial.com
Source: rates read from https://www.dfcufinancial.com/personal/Checking-And-Savings/share-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at DFCU Financial?
4.40% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a DFCU Financial CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does DFCU Financial's best CD rate compare with Treasury yields?
4.40% APY is −0.47% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% 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 DFCU Financial CDs insured?
DFCU Financial is a federally insured credit union (NCUA 61844). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at DFCU Financial?
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 DFCU Financial's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from DFCU Financial's website and may change at any time. Confirm terms, minimums and eligibility with DFCU Financial before opening an account. This page is not financial advice.