A Share Certificate is a great option to save money for a set period of time. Typically, the money will remain in the account for 3 months to 5 years and, in return, the Share Certificate earns a higher interest rate. It's a simple way to boost savings and prepare for your financial future.

Benefits

  • Earn more interest than Savings.
  • Fixed, guaranteed, steady growth for long-term savings needs.
  • Term lengths from 3 months to 5 years.
  • Interest rate locked for term of certificate.
  • Deposit accounts are federally insured by the NCUA up to $250,000.

Requirements

  • Membership and eligibility.
  • $500 minimum deposit.
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-5:30 pm or visit a Deseret First Branch

Share Certificate Rates

Maturity Standard
Rate
Standard
APY
Loyalty
Rate
Loyalty
APY
3-5 Months 0.15% 0.15% 0.15% 0.15%
6-11 Months 0.25% 0.25% 0.25% 0.25%
12-23 Months 0.45% 0.45% 0.45% 0.45%
24-35 Months 0.70% 0.70% 0.70% 0.70%
36-47 Months 0.95% 0.95% 0.95% 0.95%
48-59 Months 1.24% 1.25% 1.24% 1.25%
60 Months 1.98% 2.00% 1.98% 2.00%


Jumbo & IRA Jumbo

Maturity Standard
Rate
Standard
APY
Loyalty
Rate
Loyalty
APY
3-5 Months N/A N/A N/A N/A
6-11 Months 0.25% 0.25% 0.25% 0.25%
12-23 Months 0.45% 0.45% 0.45% 0.45%
24-35 Months 0.70% 0.70% 0.70% 0.70%
36-47 Months 0.95% 0.95% 0.95% 0.95%
48-59 Months 1.24% 1.25% 1.24% 1.25%
60 Months 1.98% 2.00% 1.98% 2.00%
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.*Loyalty accounts are defined to include (1) an active checking account demonstrating that DFCU is the member's primary financial institution for a minimum of 90 days, and (2) has Direct Deposit with the majority of the member's payroll for a minimum of 90 days.

Your checking your choice

Choose getting paid for swiping your debit card or earn up to 2.00% APY on your balance.

Learn More

Go ahead and make plans

 
IRAs from Deseret First can help you prepare for retirement. So go ahead and make plans.
 
Learn More

visa credit cards that pay you

Deseret First has Visa Credit Card options that put money back in your wallet.
 
Learn More

Improved online banking

You can not only check balances and transfer money easily, but you can also use the enhanced budgeting tools, set savings goals and much more!
 
Learn More
YOUR FEEDBACK