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.

APPLY NOW

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

$500 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months 0.15% 0.15% 0.15% 0.15%
6-11 Months 0.349% 0.35% 0.349% 0.35%
12-23 Months 0.747% 0.75% 0.747% 0.75%
24-35 Months 1.094% 1.10% 1.094% 1.10%
36-47 Months 1.242% 1.25% 1.242% 1.25%
48-59 Months 1.489% 1.50% 1.489% 1.50%
60 Months 2.323% 2.35% 2.323% 2.35%

JUMBO

$75,000 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months N/A% N/A% N/A% N/A%
6-11 Months 0.349% 0.35% 0.349% 0.35%
12-23 Months 0.747% 0.75% 0.747% 0.75%
24-35 Months 1.094% 1.10% 1.094% 1.10%
36-47 Months 1.242% 1.25% 1.242% 1.25%
48-59 Months 1.489% 1.50% 1.489% 1.50%
60 Months 2.323% 2.35% 2.323% 2.35%

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.

HIGHER SAVINGS RATE

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YOUR CHECKING YOUR CHOICE

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

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