Credit union · NCUA insured
DCU CD Rates
DCU’s best CD rate is 3.75% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 25, 2026.
How DCU’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
DCU
3.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $350
Regular Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
DCU CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where DCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 3.75%APY · 9 terms
Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty may apply: 3-11 months 60 days' dividend, 12-35 months 90 days' dividend, 36-60 months 180 days' dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.25% | — |
| 6 monthsMinimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.50% | — |
| 9 monthsAPY for 9 Month term. Rates are variable | 3.50% | — |
| 12 monthsAPY for 12 Month term. Rates are variable | 3.75% | — |
| 18 monthsAPY for 18 Month term. Rates are variable | 3.75% | — |
| 24 monthsAPY for 24 Month term. Rates are variable | 3.50% | — |
| 36 monthsAPY for 36 Month term. Rates are variable | 3.50% | — |
| 48 monthsAPY for 48 Month term. Rates are variable | 3.50% | — |
| 60 monthsAPY for 60 Month term. Rates are variable | 3.50% | — |
Jump-Up Jumbo Certificate
Up to 3.75%APY · 2 terms
Jump the rate up one time per term – you decide when. Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend calculated at the rate being earned at the time of withdrawal | 3.75% | — |
| 24 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $25,000 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend calculated at the rate being earned at the time of withdrawal | 3.50% | — |
Sources (3)
- dcu.org/about/rates.html
- dcu.org/bank/certificates/jump-up-certificates.html
- dcu.org/content/dam/dcu/pdfs/D…rate-sheet-printable.pdf
All captured Oct 25, 2026
Jump-Up Regular Certificate
Up to 3.50%APY · 2 terms
Jump the rate up one time per term – you decide when. Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend calculated at the rate being earned at the time of withdrawal | 3.50% | $530 |
| 24 months24 Month term. Rates are variable | 3.25% | $661 |
Legacy Jump-Up Jumbo Certificate
Up to 3.50%APY · 2 terms
Jump the rate up one time per term – you decide when. Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $25,000 to earn APY | 3.50% | — |
| 27 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $25,000 to earn APY | 3.25% | — |
Sources (1)
- dcu.org/about/rates.html · captured Oct 25, 2026
Regular Certificate
Up to 3.50%APY · 9 terms
Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty may apply: 3-11 months 60 days' dividend, 12-35 months 90 days' dividend, 36-60 months 180 days' dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.00% | $74 |
| 6 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.25% | $161 |
| 9 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.25% | $243 |
| 12 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend | 3.50% | $350 |
| 18 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend | 3.50% | $530 |
| 24 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend | 3.25% | $661 |
| 36 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 180 days' dividend | 3.25% | $1,007 |
| 48 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 180 days' dividend | 3.25% | $1,365 |
| 60 monthsMinimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 180 days' dividend | 3.25% | $1,734 |
Legacy Jump-Up Certificate
Up to 3.25%APY · 2 terms
Jump the rate up one time per term – you decide when. Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY | 3.25% | $408 |
| 27 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY | 3.00% | $688 |
Sources (1)
- dcu.org/about/rates.html · captured Oct 25, 2026
Special-purpose accounts
Certificate IRA
Up to 3.50%APY · 9 terms
May be used for Traditional, Roth, SEP, and SIMPLE accounts. Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalties and IRS tax penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMay be used for Traditional, Roth, SEP, and SIMPLE accounts. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 60 days' dividend | 3.00% | $74 |
| 6 monthsAPY for 6 Month term. Rates are variable | 3.25% | $161 |
| 9 monthsAPY for 9 Month term. Rates are variable | 3.25% | $243 |
| 12 monthsAPY for 12 Month term. Rates are variable | 3.50% | $350 |
| 18 monthsAPY for 18 Month term. Rates are variable | 3.50% | $530 |
| 24 monthsAPY for 24 Month term. Rates are variable | 3.25% | $661 |
| 36 monthsAPY for 36 Month term. Rates are variable | 3.25% | $1,007 |
| 48 monthsAPY for 48 Month term. Rates are variable | 3.25% | $1,365 |
| 60 monthsAPY for 60 Month term. Rates are variable | 3.25% | $1,734 |
Sources (2)
All captured Oct 25, 2026
Jump-Up Certificate IRA
Up to 3.50%APY · 2 terms
Jump the rate up one time per term – you decide when. May be used for Traditional, Roth, SEP, and SIMPLE accounts. Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalties and IRS penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days' dividend calculated at the rate being earned at the time of withdrawal | 3.50% | $530 |
| 24 months24 Month term. Rates are variable | 3.25% | $661 |
Sources (2)
All captured Oct 25, 2026
Legacy Jump-Up Certificate IRA
Up to 3.25%APY · 2 terms
Jump the rate up one time per term – you decide when. Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY | 3.25% | $408 |
| 27 monthsJump the rate up one time per term – you decide when. Minimum daily balance of $500.00 to earn APY | 3.00% | $688 |
Sources (1)
- dcu.org/about/rates.html · captured Oct 25, 2026
Who can join DCU
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