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 1.00% 1.00 1.00% 1.00%
12-23 Months 1.34% 1.35 1.34% 1.35%
24-35 Months 1.59% 1.60 1.59% 1.60%
36-47 Months 1.88% 1.90 1.88% 1.90%
48-59 Months 2.13% 2.15 2.13% 2.15%
60 Months 2.86% 2.90 2.86% 2.90%

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 1.00% 1.00 1.00% 1.00%
12-23 Months 1.34% 1.35 1.34% 1.35%
24-35 Months 1.59% 1.60 1.59% 1.60%
36-47 Months 1.88% 1.90 1.88% 1.90%
48-59 Months 2.13% 2.15 2.13% 2.15%
60 Months 2.86% 2.90 2.86% 2.90%

*Rates available for a limited time only. 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.

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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