Faith Matters. Finances Matter.
Transform Financial Goals Into Reality With Share Certificates
Faith Matters. Finances Matter.
At Deseret First Credit Union you never have to choose between them.
At Deseret First Credit Union you never have to choose between them.
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Share Certificates
Certificates give you the confidence of fixed rates and insured balances.
High APY
Up to 4.35% APY on select 6-month terms
Flexible Terms
Flexible terms from 3–60 months
Low Minimum
Start with just $500 minimum deposit
NCUA Insured
NCUA insured up to $250,000
Choose certainty and stability without market risk.
Flexible Term Options
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
Loyalty rates available for qualifying members
Your savings matures when you need it most.
Popular Savings Goals
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
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.
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.