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Share Certificate Accounts

If you're saving for the long-term and want a better dividend rate than a simple savings account can offer, DCFCU's Share Certificate Accounts are just what you need.

Certificate Accounts, commonly called CDs, offer excellent benefits:

Convenient Terms: You can choose terms ranging from six months to 5 years
Higher Rates: Your dividend rate could be up to twice as much as simple savings accounts
Dividends paid quarterly: Dividends earned are available quarterly or can be reinvested

Open a Share Certificate Account Now!

  • Minimum $2500.00 deposit required
  • All CD’s have a 10-day grace period upon maturity and a 90-day dividend penalty for early withdrawal

Youth Certificate - 90 day Add-on Certificate

  • Youth must have $25.00 share account
  • Minimum $250.00 deposit required
  • Add-on at maturity with increments of $100.00
  • Maximum to earn higher dividend is $1500.00

Click here to learn more about Youth Savings!

Early Withdrawal Penalty

We may impose a penalty if you withdraw from your account before the maturity date. For all accounts, the amount of early withdrawal penalty for your account is 90 days dividend.

How the Penalty Works

The Penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Please contact us with any questions.


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