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Share Certificates

Share Certificates are a great investment solution for Members who have funds they do not need immediate access to, and for those wishing to earn a higher rate of return than is available through their Share account.

A Share Certificate  is an investment vehicle that is federally insured for up to $250,000 by NCUA, and one that pays a greater dividend than is paid on transactional accounts such as Share accounts, Share Draft accounts or Money Market accounts. Share Certificates are available with maturities of between 90 days (Youth only) to five years, with rates of return tending to be higher the longer the term of maturity.

With the exception of Youth Certificates, which can be opened with as little as $250, Share Certificates require a minimum initial deposit of $2,500, so they are ideal for those with extra discretionary savings and those who do not need their funds in a "liquid" form. That is, they cannot be withdrawn penalty-free except at maturity. At maturity, Certificates may be withdrawn or funds rolled into a new Certificate. If funds are rolled into a new Certificate principal may be added during the 10 day renewal period.

Should circumstances necessitate a withdrawal prior to maturity, an early withdrawal penalty will apply. Penalties are calculated as follows...

  • Youth Certificates - early withdrawal penalty = 90 days' dividends
  • Certificates with 6 month term - early withdrawal penalty = 90 days' dividends
  • Certificates with 1-2 year term - early withdrawal penalty = 180 days' dividends
  • Certificates with 3-5 year term - early withdrawal penalty = 365 days' dividends

How the Penalty works:

The Penalty is calculated as a forfeiture of part of the dividends that have been, or would have been 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.


All of your funds on deposit with Delta County Federal Credit Union are federally insured for up to $250,000 by NCUA.

For a side by side comparison of our account offerings, click here.

To get a jump on the application process, click here, fill out and print the application, and bring it to one of our offices, along with your opening deposit and identification. If your identification does not have a current address, please provide proof of residency (utility bill, mortgage statement, renter's insurance policy, etc.). For details of account opening requirements please click here.

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