Best CD rates and certificates

Requirements

Product: Limited-time 90th anniversary certificate of deposit special.

Offer: Limited-time 90th anniversary special

Requirements

Product: A Base Shares, Youth Savings, or Business account is required to open a CD. Formerly known as Share Certificates. Dividends paid monthly. Early withdrawal penalties may apply.

Offer: 5 month special. Dividends paid monthly. Auto-renews at maturity into a standard 6 month CD.

Requirements

Product: Special 100-day certificate created in honor of 100th Anniversary. Balance of $5,000 required; no additional deposits or withdrawals permitted during term. Early withdrawal results in loss of all dividends. Renews to a 3-month certificate at then-current rate. New money required (not currently on deposit, or moved away for at least 21 days). Limit one account per household. Membership eligibility required.

Offer: Fixed rate for 100-day term. Balance of $5,000 required; no additional deposits or withdrawals permitted during term. Early withdrawal results in loss of all dividends. Automatically renews to a 3-month certificate. New money required. Limit one account per household. Membership eligibility required.

Requirements

Product: Money is automatically transferred from your direct deposit into the payroll certificate each time you get paid. Rate based on term selected (3 to 12 months) or certificate specials. Minimum $20 to open. Penalty for early withdrawal or no early withdrawals on specific specials. Fees may reduce earnings.

Offer: Limited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $20 minimum and maximum to open. ACH distribution required with maximum $200/monthly, $100/bi weekly, or $50/weekly. No early withdrawals. Upon maturity, payroll certificates are transferred back into the account selected at opening. Limit one Payroll Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination.

Requirements

Product: Named 12-month promotional certificate. Additional deposits permitted anytime. Product page: minimum deposit $5,000, maximum $100,000. Qualification: $500 minimum in Primary Share Account (suffix 000); $250 average checking balance; direct deposit/payroll deduction of at least $500 a month; $7,500 minimum combined loan balances. Dividend-sheet footnote (D) instead lists $500 share savings, $500 share checking, $7,500 combined loans, e-Statements, and maximum deposit $100,000. Terms apply.

Offer: Relationship qualifications required (share, checking, direct deposit/payroll, combined loans; e-Statements on dividend sheet). Additional deposits allowed. Rate tables show the same 5.75%/5.90% in both under- and over-$90,000 columns.

Requirements

Product: 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.

Offer: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty).

Requirements

Product: Available to eligible Dealer Personal Banking, Team Member Banking, or Team Member Relocation program members. Interest rates and APYs are fixed and guaranteed for the length of the initial term. Automatically renewable. Early withdrawal penalties apply.

Offer: Early withdrawal penalty: 180 days interest on amount withdrawn for 36-60 months remaining to maturity.

Requirements

Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.

Offer: Purchased through Raymond James brokerage account.

Requirements

Product: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required. Federally insured by NCUA.

Offer: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required.

Requirements

Product: Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.

Offer: Early withdrawal penalty applies.

Requirements

Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.

Offer: 13 month Special

Requirements

Product: For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.

Offer: Must be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account.

Requirements

Product: Dividends compounded daily. Minimum deposit and balance requirements vary by term.

Requirements

Product: Dividends compounded and paid quarterly. Minimum opening deposit of $250. Early withdrawal penalties apply.