Share Certificates

Share Certificates--secure savings and a fixed dividend.


Share certificates offer a fixed dividend rate over a specific duration of time for a safe, sound and secure savings solution.**

  • Short and long-term options available: 3 month, 6 month, 1 year, 2 year, 3 year, 5 year
  • Dividend compounded and paid quarterly***
  • Dividends begin to accrue on the business day the funds are deposited
  • Automatic renewal when your Certificate matures
  • Balances as low as $1,000 to open
  • Certificates balances may increase your Cash Back loyalty reward
  • Tiered Rate Structure based on Certificate balances
    • $1,000 to $24,999
    • $25,000 to $99,999
    • $100,000 and more

3 month

Tier APY1
$1,000 to $24,999 0.15%
$25,000 to $99,999 0.20%
$100,000 and up 0.25%

6 month

Tier APY1
$1,000 to $24,999 0.20%
$25,000 to $99,999 0.25%
$100,000 and up 0.30%

1 year

Tier APY1
$1,000 to $24,999 0.25%
$25,000 to $99,999 0.30%
$100,000 and up 1.00%

2 year

Tier APY1
$1,000 to $24,999 0.35%
$25,000 to $99,999 0.40%
$100,000 and up 1.10%

3 year

Tier APY1
$1,000 to $24,999 0.40%
$25,000 to $99,999 0.45%
$100,000 and up 1.30%

5 year

Tier APY1
$1,000 to $24,999 0.80%
$25,000 to $99,999 0.90%
$100,000 and up 1.50%

Rates effective as of 10/23/2018

 

**Penalty for early withdrawal of funds may apply on Certificate products.

***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.

1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

 

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

 

Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

DFCU Financial - Copyright © 2018 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.