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Lock in your rate


Lock in your rate

For a limited time, members can earn a higher Annual Percentage Yield (APY) by locking in an 8-month Certificate of Deposit (CD) with DFCU! Take advantage of this limited-time personalized offer to boost your savings.

Start with a 3.50% Base Rate and get additional dividends based on your age:

  • Member's age in dividends (i.e., 44 years old gets 0.44% added)
  • Plus an additional 0.25% if member has or signs up for direct deposit
  • 44-year-old example: starting with a 3.50% base rate, adding 0.44 % added for the age of the member, additional 0.25% added for direct deposit = 4.19% APY

More details on this personalized offer:

  • Minimum amount needed to open: $1,000
  • Minimum age required to open: 18
  • New Money Only
  • No monthly fee; no annual fee
  • Use as collateral for a Certificate Secured Loan
  • Federally insured by the National Credit Union Administration (NCUA)

After your 8-month term CD:

  • The CD will default to DFCU's standard 6 month CD rate. Members can come in within the seven-day grace period after maturity to select a different term.
  • See DFCU's current CD Terms and Rates below.
Interested in a Certificate?

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

Call Request Form - Mobile

Or call us at 562.862.8141

Term Dividend Rate* Annual Percentage Yield (APY+)
6 months View rates View rates
12 months View rates View rates
24 months View rates View rates
36 months View rates View rates
48 months View rates View rates
60 months View rates View rates
Open a Certificate


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


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. For the 8 month term CD promo, the promo rate will default to DFCU's standard 6 month CD rate.
  • DFCU may extend the promotional end date without notice.
  • No monthly service charges
  • Early withdrawal penalty: 90-day dividend penalty on all certificates if funds are withdrawn

+APY as of 05/31/23