Transform Financial Goals Into Reality With Share Certificates
Put your savings to work with guaranteed growth—earn up to 4.35% APY on fixed terms while keeping your funds safe, secure, and on schedule for your life’s milestones.
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Secure Growth With Predictable Returns
Share Certificates
Certificates give you the confidence of fixed rates and insured balances.
Flexible Term Options
Build a Ladder Strategy for Maximum Flexibility
Stack different terms so you can access funds at planned intervals while still earning premium returns.
Short-term (3–6 months)
quick access with strong yields
Mid-term (12–24 months)
steady growth for near-future goals
Long-term (36–60 months)
maximize rates for bigger milestones
Loyalty rates available for qualifying members
Loyalty rates available for qualifying members
Popular Savings Goals
Certificates That Match Your Life Plans
Your financial goals are as personal as your journey. DFCU Share Certificates make it easy to plan ahead and achieve them with precision.
Members often use certificates to save for college expenses, home down payments, or once-in-a-lifetime vacations. They’re also ideal for special events such as weddings, mission preparation, or home remodels where you want guaranteed returns on a defined timeline.
Each certificate turns your goals into scheduled milestones—helping you move forward with both discipline and peace of mind.
Why Choose DFCU Certificates
More Than Rates—It’s Relationship Banking
At Deseret First, banking is personal. When you open a Share Certificate, you’re joining a community built on trust, values, and service—not just a financial transaction.
You’ll receive proactive support from our team, who will alert you when better rates become available. Manage your certificates easily through online or mobile banking, and enjoy the convenience of automatic renewal options for continuous growth.
For more than 20 years, over 77,000 members have trusted DFCU for transparent, values-based service and reliable financial solutions.
Share Certificates
Give Your Savings an Energy Boost Today
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
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Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
- APY = Annual Percentage Yield. $500 minimum deposit required. Early-withdrawal penalties apply. Rates effective 8/3/2025 and subject to change for new certificates. Jumbo Certificates available starting at $75,000. Membership and eligibility required. Federally insured by NCUA.