Bump Certificate


Get a higher interest rate than a Savings Account by putting money into a Bump Certificate now! Then if rates rise, you have the option to bump-up the rate of your Certificate to a higher rate one time during the initial term.


  • Greater Flexibility in getting a better interest rate on you money than traditional savings accounts
  • Automatic renewal options
  • Available on any term certificate account 6 months to 60 months


  • Available for new money, (money brought into Deseret First from an account elsewhere)
  • Minimum deposit of $500.00
 Open a Bump Certificate Now

Saving now and for the future is vital! 
From putting aside money for a rainy day to long-term investments, Deseret First has the product for you, no matter your life stage.

*The interest rate and the annual percentage yield (APY) on your account will be provided to you in person or on our web site. The interest rate and annual percentage yield (APY) may change. We will not change the rate on your account during the term of the account. However, you have the option during the first term of this account to exchange your original interest rate for a new interest rate. The new interest rate will be the interest rate DFCU is offering on certificates of the amount of this account (or less) with the same term (or shorter) as that remaining on this account at the time of the exchange. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this exchange option once during the first term, but not during any renewal term.


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