Source: https://www.dupaco.com/savings-account/certificates
Read: 2026-10-22T10:08:35.000Z

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Certificates for Growth You Can Count On
Some savings goals are too important for guesswork. With a Dupaco term-share certificate, you can lock in a guaranteed dividend rate for a set term and know exactly what your money will earn before you get started. Think of it as the credit union version of a bank CD. No surprises. 
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LIMITED-TIME OFFER
Special Rates Worth a Closer Look
For a limited time, earn 4.30% APY2 with a 17-month certificate special! Get started with as little as $1,000 and lock in a guaranteed rate. Looking to put more money to work? Take a look at the jumbo certificate specials.
HOW IT WORKS
Certainty From Start to Finish
No guessing. No wondering where rates might go next. Just a guaranteed return and the peace of mind of knowing your savings are federally insured by the National Credit Union Administration up to $250,000.
Pick a Term
Choose the term that fits your goals, from a few months to a few years, and lock in a guaranteed dividend rate. Special and jumbo certificates offer even more earning potential.
Let It Grow
Your money earns steadily at the fixed rate you locked in. To get the full benefit, keep your funds invested until maturity, as early withdrawal penalties may apply.
Decide What's Next
When your certificate matures, you can use your funds, move them into another account or roll them into another certificate and keep the momentum going.
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RATES
Certificate Rates
Special Certificates
Certificate | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn
25 Month Fixed Jumbo Certificate Special | 4.45% | 4.50% | $100,000.00
25 Month Fixed Certificate Special | 4.35% | 4.40%2 | $1,000.00
17 Month Fixed Jumbo Certificate Special | 4.35% | 4.40%1 | $100,000.00
17 Month Fixed Certificate Special | 4.25% | 4.30%2 | $1,000.00
10 Month Fixed Jumbo Certificate Special | 4.25% | 4.30%1 | $100,000.00
10 Month Fixed Certificate Special | 4.16% | 4.20%2 | $1,000.00
Rates are effective as of 10/20/2026 and are subject to change without notice.
1Fixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principal. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principal. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
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Regular Certificates
Certificate | Dividend Rate | Annual Percentage Yield (APY) | Min. to Earn
60 Month | 1.79% | 1.80%1 | $1,000.00
48 Month | 1.89% | 1.90%1 | $1,000.00
36 Month | 2.09% | 2.10%1 | $1,000.00
30 Month | 2.29% | 2.30%1 | $1,000.00
24 Month | 2.48% | 2.50%1 | $1,000.00
18 Month | 2.68% | 2.70%1 | $1,000.00
12 Month | 3.37% | 3.40%1 | $1,000.00
6 Month | 3.37% | 3.40%1 | $1,000.00
Rates are effective as of 06/02/2026 and are subject to change without notice.
1Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
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Certificate Calculator
See what a term-share certificate investment (the credit union version of a bank CD) could be worth. 
Certificate Inputs
Initial deposit
Term
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APR
SAVINGS STRATEGY
Looking for More Flexibility?
A certificate ladder spreads your savings across multiple certificates with different maturity dates, giving you regular access to a portion of your money while still taking advantage of certificate rates. It can be a smart way to balance growth, flexibility and peace of mind. 
See how it works
Frequently Asked Questions
Looking for a little more detail? We've got you covered.
What is a term-share certificate?
How is a certificate different from a savings or money market account?
How long can I keep my money in a certificate?
Can I withdraw money before my certificate matures?
What happens when my certificate matures?
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