Certificates & IRasGrow Your Savings, Build Your Retirement
Whether you’re saving for a short-term goal or building toward retirement, DFCU Financial has the tools to help your money grow with confidence.Lock in a fixed rate and avoid market exposure through our Share Certificates, or enjoy tax-smart retirement savings through an IRA for members.**
Save Smart With Share Certificates (CD)
A DFCU Share Certificate lets you lock in a fixed rate and grow your money with no surprises. Choose your term, deposit your funds, an earn while your savings stay federally insured by the NCUA.
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Get a fixed interest rate over a specific duration of time.***
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Ideal for funds you don’t need to access immediately.
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Terms to fit your timeline – from 3 to 60 months.
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Interest compounded and paid quarterly.****
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Federally insured up to $250,000 by the NCUA.
Retire Smarter with DFCU IRAs
DFCU’s Traditional and Roth IRAs are designed to help you build long-term retirement savings while maximizing your tax advantages – now or in retirement.** Our local experts will help you find the right fit, and your IRA balance may even qualify you for annual Cash Back.*
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Fixed rate locked at opening.
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Tax-advantaged growth within a Traditional or Roth IRA.**
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Federally insured by the NCUA up to $250,000.
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Terms from short to long-range to match your retirement timeline.
Forms & Disclosures
3 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 3.75% |
| $100,000 and up | 3.75% |
6 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 4.00% |
| $100,000 and up | 4.00% |
1 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.50% |
| $25,000 to $99,999 | 3.50% |
| $100,000 and up | 3.50% |
18 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.25% |
| $25,000 to $99,999 | 3.35% |
| $100,000 and up | 3.50% |
2 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
3 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
5 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
Rates effective as of 06/24/2026
Share Certificates Rates
3 month
| APY1 | 3.75% |
|---|
| APY1 | 3.75% |
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| APY1 | 3.75% |
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6 month
| APY1 | 3.75% |
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| APY1 | 4.00% |
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| APY1 | 4.00% |
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1 year
| APY1 | 3.50% |
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| APY1 | 3.50% |
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| APY1 | 3.50% |
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18 month
| APY1 | 3.25% |
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| APY1 | 3.35% |
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| APY1 | 3.50% |
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2 year
| APY1 | 1.75% |
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| APY1 | 2.00% |
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| APY1 | 2.20% |
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3 year
| APY1 | 1.75% |
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| APY1 | 2.00% |
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| APY1 | 2.20% |
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5 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
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| APY1 | 2.20% |
|---|
Frequently Asked Questions
A share certificate is the credit union equivalent of a bank CD (certificate of deposit). Both lock in a fixed rate for a set term. The key difference: share certificates are offered by member-owned credit unions like DFCU, meaning earnings stay within the member community rather than going to outside shareholders.
Early withdrawal from a share certificate typically results in a penalty – usually a portion of the dividends earned. The penalty amount depends on your term. If you think you may need access before maturity, a money market account may be a better fit.
Minimum to open for all terms is $1,000. Rates vary by term and balance tier. Visit our rates page for current requirements.
The main difference is when you pay taxes. A Traditional IRA may reduce your taxable income now — but you pay taxes on withdrawals in retirement. A Roth IRA uses after-tax money upfront, so qualified withdrawals in retirement are tax-free. The right choice depends on your current income, expected retirement income, and tax strategy.
**Consult your tax advisor. This is for informational purposes only and it is not intended to be tax, legal or other professional advice.
For Traditional IRAs, penalty-free withdrawals are generally available at age 59½. For Roth IRAs, contributions (not earnings) can typically be withdrawn at any time without penalty; earnings are penalty-free at 59½ if the account has been open for at least five years. Exceptions exist for disability, first-time home purchases, and other qualifying events.
Yes. DFCU can help you roll over eligible employer-sponsored retirement accounts into an IRA. Contact our team to walk through the process and avoid any tax or penalty issues.
DFCU serves members across Michigan and Florida, with branches in communities including the greater Detroit area, Ann Arbor, Lansing, Brighton, and additional locations throughout the state, as well as branches in the Tampa Bay area, Fort Myers, Naples, Orlando, and surrounding communities. Members also have access to more than 1,700 ATMs in Michigan and over 37,000 ATMs nationwide through the Co-op ATM network. Find the location nearest you.
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Support You Can Count On
Whether you’re ready to join or just have questions, our team is here to help you move forward with confidence.
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Learn More**Consult your tax advisor. This is for informational purposes only and it is not intended to be tax, legal or other professional advice.
***Penalty for early withdrawal of funds may apply on Certificate products.
****Interest on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.
1APY = Annual Percentage Yield. APY accurate as of CURRENT DATE. Dividends are paid and compounded quarterly. Dividend rate is based on the principal balance at account opening and will not change during the certificate term. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Fees could reduce earnings on the account. Penalties may apply for early withdrawal. DFCU Financial deposit accounts are federally insured by the National Credit Union Administration (NCUA).
