Share Certificate Rates
DTCU offers many choices when investing in certificates.
We offer terms as little as 6 months up to 48 months.
Rates are tiered based on how much money you use to open. See Certificate Rates below for details.
Tenure 55 Members receive an extra .25% above our current certificate rates.
Honor Roll Members receive an extra .50% above our current certificate rates.
PLEASE NOTE: To make sure you are receiving our highest rate on certificates we base our rates on cumulative certificates in your account plus the amount of the new certificate to help you reach the highest tiered rate we offer. Call 218-722-9242 if you would like a quote on your best rate.
We also offer IRA Certificates with the same rates and terms. So whether it's short term investing or investing for retirement, DTCU has a certificate to fit you!
Certificate Builder Program Click to find out how to start a certificate with as little as $25
6 Month Certificates and IRA Certificates
|
Certificate Balance
|
Yield
|
Honor Roll |
Tenure 55
|
|
$1,000.00-$14,999.00
|
0.05%
|
0.55% |
0.30%
|
|
$15,000.00-$24,999.00
|
0.10%
|
0.60% |
0.35%
|
|
$25,000.00-$74,999.00
|
0.15%
|
0.65% |
0.40%
|
|
$75,000.00+
|
0.20%
|
0.70% |
0.45%
|
12 Month Certificates and IRA Certificates
|
Certificate Balance
|
Yield
|
Honor Roll |
Tenure 55
|
|
$1,000.00-$14,999.00
|
0.15%
|
0.65% |
0.40%
|
|
$15,000.00-$24,999.00
|
0.25%
|
0.75% |
0.50%
|
|
$25,000.00-$74,999.00
|
0.35%
|
0.85% |
0.60%
|
|
$75,000.00+
|
0.45%
|
0.95% |
0.70%
|
24 Month Certificates and IRA Certificates
|
Certificate Balance
|
Yield
|
Honor Roll |
Tenure 55
|
|
$1,000.00-$14,999.00
|
0.20%
|
0.70% |
0.45%
|
|
$15,000.00-$24,999.00
|
0.30%
|
0.80% |
0.55%
|
|
$25,000.00-$74,999.00
|
0.40%
|
0.90% |
0.65%
|
|
$75,000.00+
|
0.50%
|
1.00% |
0.75%
|
36 Month Certificates and IRA Certificates
|
Certificate Balance
|
Yield
|
Honor Roll |
Tenure 55
|
|
$1,000.00-$14,999.00
|
0..25%
|
0.75% |
0.50%
|
|
$15,000.00-$24,999.00
|
0.35%
|
0.85% |
0.60%
|
|
$25,000.00-$74,999.00
|
0.45%
|
0.95% |
0.70%
|
|
$75,000.00+
|
0.55%
|
1.05% |
0.80%
|
48 Month Certificates and IRA Certificates
|
Certificate Balance
|
Yield
|
Honor Roll |
Tenure 55
|
|
$1,000.00-$14,999.00
|
0.30%
|
0.80% |
0.55%
|
|
$15,000.00-$24,999.00
|
0.40%
|
0.90% |
0.65%
|
|
$25,000.00-$74,999.00
|
0.50%
|
1.00% |
0.75%
|
|
$75,000.00+
|
0.60%
|
1.10% |
0.85%
|
Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.
Penalty for early withdrawal is 180 days loss of interest on all certificates.
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