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Certificates
Lock in your rate

Certificates

Lock in your rate


Lock in your savings with a DFCU Certificate! Certificates are a safe way to earn higher interest on your cash and keep your nest egg secure.

  • Terms from 6 months to 48 months
  • $1,000 needed to open account
  • No monthly fee; no annual fee
  • Earns higher dividends
  • Use as collateral for a Certificate Secured Loan
  • Federally insured by the National Credit Union Administration (NCUA)
Interested in a Certificate?

Simply provide your name and phone number and we’ll give you a call.

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Rates
Term Dividend Rate* APY+
6 months
12 months
24 months
36 months
48 months
Open a Certificate

Members

If you are already a DFCU member, simply call 562.862.8141 or email feedback@downeyfcu.org to open this account.

Non-Members

If you aren’t a DFCU member yet, visit our branch to open this account.

  • $1,000 minimum deposit to open
  • $1,000 minimum daily average
  • Earns dividends when your balance exceeds $1,000
  • Dividends compounded daily and paid quarterly on average balance
  • Seven (7) day grace period to change term or close with no penalties
  • Certificates automatically roll over at maturity with the same term and current rate unless member requests differently
  • No monthly service charges
  • Early withdrawal penalty: 90-day dividend penalty on all certificates if funds are withdrawn
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