Issued for a specific period of time (short and long-term options are available), certificates offer a fixed rate of return during the term of your certificate. Our certificate rates are tiered based on your opening balance. If you have more to invest, you could earn a higher rate of return. You also typically earn a higher return if your term is longer. Our tiers are:

• Balances as low as $1,000
• Available from 3 to 60 months.
• Dividends begin to accrue on the business day the funds are deposited
• Dividends compounded and paid quarterly*
• Automatic renewal when your share certificate matures saves you time

1-Year Option Certificate
Our 1-Year Option Certificate is perfect for those individuals who:

• don’t want the pressure of locking up funds long-term as they anticipate a rising rate environment
• want the flexibility to change their investment decision without penalty
• seek a fixed, guaranteed rate of return

HOW THE OPTION WORKS.
Open a 1-Year Option Certificate at any DFCU Financial branch with a minimum opening balance of $1,000. The rate you receive is a fixed rate for the entire 12-month term. When your certificate has been opened for at least 6 months, you have the option to withdraw all, or a portion*, of your balance and reinvest the money in another DFCU Financial non-Option Certificate with a term of one year or greater without penalty. If you choose not to exercise your option, your certificate will automatically renew to another 1-Year Option Share Certificate at the end of your 12-month term for the current rate.*

*Minimum balance in the 1-Year Option Certificate cannot fall below $1,000 unless the member withdraws the entire balance when exercising the option. If the 1-Year Option Certificate is no longer offered, you will be given a 30 day notice prior to your renewal date. A penalty applies if the principal is withdrawn prior to the option date or not reinvested in a DFCU Financial Certificate when the option is exercised.

*Dividends on Certificates over $2,500 may be deposited to your Interest Checking or Regular Savings Accounts.

Penalties for early withdrawal of funds may apply.