Share Certificates

Financial goals become fantastic realities

Increased rates = increased savings

Don’t hesitate, do more with your money through higher interest rates! A share certificate lets you save money for a specified amount of time. In return you’ll earn a higher interest rate than a regular savings account. Boost your savings today so you’ll be prepared for a better financial future!

Higher APY than a regular savings account
Guaranteed return on investment
Less risky than stock market options

Start Earning More

Regular Rates ($500 Minimum)
Share Certificate Term	Rate	APY	Loyalty Rate	Loyalty APY
3–5 Months	0.25%	0.25%	0.25%	0.25%
6–11 Months	0.80%	0.80%	1.29%	1.30%
12–23 Months	1.59%	1.60%	2.32%	2.35%
24–35 Months	2.03%	2.05%	2.52%	2.55%
36–47 Months	2.32%	2.35%	2.81%	2.85%
48–59 Months	2.57%	2.60%	3.05%	3.10%
60 Months	2.76%	2.80%	3.25%	3.30%

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. Additional products and rates, including Jumbo Certificates, are listed here.

The Modern Money Tree

Above all, our certificates offer you the perfect path towards future goals. So how will you mobilize your money?

College Education

New Car

Home Down Payment

Remodel

Vacation

Wedding

jar of coins with leafy bud sprouting out

Account Requirements

Membership and eligibility
$500 minimum deposit

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.

“I have been a member of Deseret First Credit Union for over 20 years. Never once during that time have I considered changing to another financial institution. I have utilized many services offered by DFCU… Representatives of DFCU have even contacted me when a new rate or product would be to my benefit – now, that is going above and beyond!”

— Jamie Glenn

“We opened savings accounts for each of our six children when they were little… When they entered the university they expanded those services to checking accounts and car loans. So I can say we have our whole family with DFCU, a tradition we hope to pass on for future grandchildren. Thanks DFCU for your faithful service all these many years.”

— Guillermo & Mary Antivilo

“What I have found with [Deseret First] Credit Union is honest employees who have been fair with me and my requests. They have been helpful in finding the BEST solution for my needs, not just for their gain. I appreciate that I have say in who represents me on the board. I encourage the credit union to govern with true principles as they run the business. Thank you for being a place that I have confidence in.”

— Julie Merrill

Give your savings an energy boost!

Reach your growth potential