Share Certificates

Don’t hesitate, save your money and earn more with a higher interest rate! Our 5-year certificate is a perfect way to save money for a college education, retirement, future plans, and more. The 1-year certificate is perfect for almost everything! Saving for a house, tuition, remodel, vacation, wedding, or just about anything you can think of. Boost your savings today and prepare for a better financial future with a Share Certificate.

 

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 the term of the 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 weekdays: 8am-7pm, Sat: 9am-2pm or visit any Deseret First Branch.

REGULAR Share Certificate Rates
$500 MINIMUM

Term Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months 0.25% 0.25 0.25% 0.25%
6-11 Months 0.75% 0.75 1.24% 1.25%
12-23 Months 1.73% 1.75 2.23% 2.25%
24-35 Months 1.98% 2.00 2.47% 2.50%
36-47 Months 2.32% 2.35 2.81% 2.85%
48-59 Months 2.52% 2.55 3.00% 3.05%
60 Months 2.76% 2.80 3.25% 3.30%

JUMBO Share Certificate Rates
$75,000 MINIMUM

Term Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months N/A% N/A N/A% N/A%
6-11 Months 0.75% 0.75 1.24% 1.25%
12-23 Months 1.73% 1.75 2.23% 2.25%
24-35 Months 1.98% 2.00 2.47% 2.50%
36-47 Months 2.32% 2.35 2.81% 2.85%
48-59 Months 2.52% 2.55 3.00% 3.05%
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. To see how you qualify for Loyalty Benefits click here.

ONLINE BANKING

Use the enhanced budgeting tools and set savings goals! Or check balances and transfer money! It’s easy use online banking!

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