Share Certificates

With a minimum deposit of as little as $500, you can open a share certificate. Terms are available from 6 months to 5 years.

Get maximum security with a guaranteed return.

Committing your funds to a set term awards you higher dividends than those offered on our Share Savings at the time the certificate is opened. The yields are consistently higher than those offered by competing financial institutions. While there is a penalty for early withdrawal, it is not as substantial as those charged elsewhere.

TermMin. DepositDividendAPY*
6 - 11 months$500.001.22%1.22%
12 - 17 months$500.001.32%1.32%
18 - 23 months$500.001.42%1.42%
24 - 35 months$500.001.52%1.52%
36 - 47 months$500.001.62%1.62%
48 - 60 months$500.001.72%1.72%
12 months$10,000.001.42%1.42%

Open a Share or IRA Certificate Today

Transfer Funds from a DCTFCU Account

To open a new share certificate or IRA certificate by transferring funds from an existing DCTFCU account, you may visit or call the credit union or return an application by mail or fax. You can request funds be transferred from one of your other DCTFCU accounts or request a transfer from another financial institution when you apply and we will take care of the transfer for you and open your account.

Download a Share Certificate Application

Review our Account Terms, Disclosures & Agreements.