Share Certificates
Transform Financial Goals Into Reality
Put your savings to work with guaranteed growth—earn up to 4.10% APY on fixed terms while keeping your funds safe, secure, and on schedule for your life’s milestones.
What Is a Share Certificate?
A share certificate is a savings account with a fixed interest rate and a set term — typically anywhere from three months to five years. You deposit a set amount, leave it untouched for the term you choose, and earn a guaranteed return that’s usually higher than a regular savings account. When the certificate matures, you get your original deposit back plus all the interest it’s earned.
If you’ve banked elsewhere, you may know this product as a certificate of deposit, or CD. At a credit union, it’s called a share certificate because every deposit represents your share of ownership as a member — and your balance is federally insured up to $250,000 by the NCUA.
Current Share Certificate Rates
Share Certificates
Share Certificates
| Term (Months) | Min Balance | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|
| 3 | $500.00 | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 | $500.00 | 3.83% | 3.90% | 3.83% | 3.90% |
| 12 | $500.00 | 3.87% | 3.95% | 3.87% | 3.95% |
| 24 | $500.00 | 4.02% | 4.10% | 4.02% | 4.10% |
| 36 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 48 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 60 | $500.00 | 3.97% | 4.05% | 3.97% | 4.05% |
Rates quoted as annual percentage yield (APY). Minimum balance to open the account and earn the advertised APY for Regular Share Certificates is $500.00. Minimum balance for Jumbo is $75,000. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change.
Secure Growth With Predictable Returns
Share Certificates
Certificates give you the confidence of fixed rates and insured balances.
Up to 4.35% APY
On select 6-month terms
Flexible terms
From 3–60 months
Start with just $500
Minimum deposit
NCUA insured
Up to $250,000
Choose certainty and stability without market risk.
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 85,000 members have trusted DFCU for transparent, values-based service and reliable financial solutions.
Share Certificates
Give Your Savings an Energy Boost Today
Whether saving for next year’s trip or a long-term purchase, DFCU Share Certificates combine competitive yields, fixed terms, and complete security. Pick your term, lock your rate, and let time work for you.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $500. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Federally insured by NCUA.