Source: https://www.dcu.org/bank/certificates/regular-certificates.html
Read: 2026-10-22T06:58:14.000Z

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Regular Certificates
Open and start earning dividends on as little as $500.
At a Glance Calculators Contact 
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CERTIFICATE ACCOUNTS 
REGULAR CERTIFICATES
At a Glance
Earn a better return with a low minimum balance.
Benefits
Terms 3 to 60 months - dividends are compounded daily and credited monthly.
Multiple dividend payment options - leave your dividends in your account or transfer them.
Automatic renewal - nothing you need to do when your Certificate renews to keep the same term.
AS HIGH AS
3.50% APY
MINIMUM TO OPEN
$500
MINIMUM TO EARN
$500
MONTHLY FEES
$0.00
AVAILABLE TERMS
3 to 60 months
REGULAR CERTIFICATE RATES
Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY¹.
Term | Dividend Rate | APY1
60 Months | 3.20% | 3.25%
48 Months | 3.20% | 3.25%
36 Months | 3.20% | 3.25%
24 Months | 3.20% | 3.25%
18 Months | 3.44% | 3.50%
12 Months | 3.44% | 3.50%
9 Months | 3.20% | 3.25%
6 Months | 3.20% | 3.25%
3 Months | 2.96% | 3.00%
Rates are effective October 22, 2026
¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
EARLY CLOSING PENALTIES FOR CERTIFICATES
Length | Penalty
3-11 months | 60 days' dividend
12-35 months | 90 days' dividend
36-60 months | 180 days' dividend
The same penalties apply on amounts prematurely withdrawn from a Certificate. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.
Plan for Your Certificate
Choose from our easy to use calculators to help you manage your certificates and savings goals.
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This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy regarding your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation. These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service. The calculations provided should not be construed as financial, legal, or tax advice. Consult a financial professional prior to relying on the results presented.
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