# DFCU Financial CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/dfcu-financial
Institution: DFCU Financial Credit Union (NCUA 61844)
Aliases: DFCU Financial Credit Union
Status: live
Last verified: 2026-10-22T10:08:28.000Z (October 22, 2026)
Official source: https://www.dfcufinancial.com/personal/Checking-And-Savings/share-certificates
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 | standard | 3 months | $1,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 3 months | $25,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 3 months | $100,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 6 months | $25,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 6 months | $100,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | promotional | 11 months | $1,000 | 4.25% | Not ZIP-priced | −0.29% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | promotional | 11 months | $25,000 | 4.25% | Not ZIP-priced | −0.29% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | promotional | 11 months | $100,000 | 4.25% | Not ZIP-priced | −0.29% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 12 months | $1,000 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 12 months | $25,000 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 12 months | $100,000 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 18 months | $100,000 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 18 months | $25,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 24 months | $1,000 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 24 months | $25,000 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 24 months | $100,000 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 36 months | $100,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 36 months | $25,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 36 months | $1,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 60 months | $100,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 60 months | $25,000 | 3.35% | Not ZIP-priced | −1.66% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |
| Share Certificate | standard | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T10:08:28.000Z | [Snapshot 220](https://apyledger.com/snapshots/220) |

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.