Find the latest DCU CD Rates, Offers, and Promotions here.

Best CD Rates: 5.39% APY 12-23 Month, $25k minimum deposit

Availability: Nationwide. Easy to join.

Credit Inquiry: Soft Pull

Table of Contents

About DCU

Digital Credit Union provides savings accounts, checking accounts, money market accounts, and Certificate accounts. Checking accounts come with a Visa debit card, ATM access, non-DCU ATM reimbursement, free checks, and direct deposit. They were founded in 1979 they have since expanded its membership base while keeping “Digital” in its name to honor its heritage from DEC.

DCU offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.

Eligibility: Membership in DCU is open to anyone through membership in Reach Out for Schools ($10 fee), Merrimack River Watershed Council, Inc. ($35 fee) and other select organizations. Membership is also open to those who live, work, attend school or worship in Lowell and Worcester, Massachusetts, in Cumming, Norcross, or Gainesville, Georgia and select areas of Chelmsford and Tewksbury, Massachusetts; to employees of CET Technology, Insulet Corporation, and over 500 Select Employer Groups.
See current membership details

Term	APY Rate	Minimum Deposit
12-23 Months	5.39%	$25,000

*The above rates are accurate as of 12/09/2023*

DCU CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer a term, the higher APY rate you make.

With an opening deposit of $25,000, you can invest in a DCU CD account to maximize your earnings. Compare their offers now to find the solutions that fit best with your savings goals. Be sure to also check out the CD rates below to potentially find even better rates for you!

Minimum deposit: $25,000
Maximum deposit: None
Early withdrawal penalty: Withdrawal of dividends prior to maturity will reduce earnings

CD Rates at DCU

(NCUA Insured)

Compare the best CD rates:
Western Alliance Bank 3-Month CD (4.50% APY)	Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.25% APY)	Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Sun Canyon Bank 11-Month CD (3.98% APY)	Ponce Bank 4-Month No-Penalty CD (4.15% APY)
Quontic Bank CD (Up to 4.25% APY)

DCU CD Features

Online Banking
Earns Interest at a Competitive Rate
NCUA Insured

Bottom Line

DCU offers you a CD rate 12-23 month 5.39% APY rate. All you need to do is to pick your CD term, and have a minimum opening deposit of $25,000 to qualify for this fantastic bonus.

This is ideal for accounts like Certificate of Deposits. Though the rates are worth checking out, be sure to still compare them with the nation’s best using our guides: CD Rates | Savings Rates.

This is a great opportunity to invest in a high-interest CD with a low balance from DCU. However, you may want to compare them with our best CD Rates:

Be sure to apply as soon as you can to start your new account experience and start earning higher rates. Check back often for the latest DCU CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.