Share Savings Certificate

Earn up to 3.82% APY ¹skip to disclosureon a 9-month certificate

$1,000 minimum deposit
No service fee*skip to disclosure
Terms from 3 to 60 months
Deposits insured up to $250,000 per account

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What is a share savings certificate?

Like a certificate of deposit offered by banks, a share savings certificate is offered by credit unions and allows you to receive a guaranteed rate of return in exchange for keeping your money in the certificate for a specified length of time. You'll receive monthly dividends and can easily manage your certificate in Digital Banking. As rates can change at any time, locking in a share savings certificate term could be a smart financial decision!

Calculate Your Earnings

Enter a deposit amount to calculate how much you could earn with a Share Savings Certificate.

Quick Calculator: $5,000 | $10,000 | $20,000 | $50,000

Deposit amount

Minimum $1,000

Term	Annual Percentage Yield	Dividend Rate†skip to disclosure	Potential Earnings¹skip to disclosure
3-Month	2.78%	2.75%	ERROR
6-Month	3.04%	3.00%	ERROR
9-Month	3.82%	3.75%	ERROR
12-Month	2.02%	2.00%	ERROR
14-Month	3.04%	3.00%	ERROR
18-Month	1.00%	1.00%	ERROR
24-Month	1.00%	1.00%	ERROR
30-Month	1.00%	1.00%	ERROR
36-Month	1.00%	1.00%	ERROR
48-Month	1.00%	1.00%	ERROR
60-Month	1.00%	1.00%	ERROR

Rates accurate as of 3/17/2025.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Looking for another savings option?

High-Yield Savings

Exclusively for Cash Back or High-Yield Checking account holders.

1.00% APY²skip to disclosure

No minimum to earn
No minimum balance fee

Learn More

Jumbo Money Market

Earn up to 0.40% APY on balances of $250,000+.

0.40% APY³skip to disclosure

$55,000 minimum to earn
No minimum balance fee

Learn More

Get Help with Share Savings Certificates

How are dividends compounded on a Share Savings Certificate? Dropdown, press enter to open.

Dividends accrue daily and are compounded and credited to your account monthly.

What are the available terms for the Share Savings Certificate? Dropdown, press enter to open.

The Share Savings Certificate offers available terms ranging from 3 months to 60 months allowing for easy investing on your terms.

Are there any fees associated with a Share Savings Certificate? Dropdown, press enter to open.

There are no monthly maintenance fees associated with a Share Savings Certificate. And, with available terms ranging from 3 months to 60 months, it’s easy investing on your terms.

How can I make deposits into my account? Dropdown, press enter to open.

There are several options for making deposits into your savings account. You can:

ACH in initiated from your bank, credit union or PayPal/Venmo type service
Wire transfer in
Mail us a personal check, cashier’s check, or bill pay check
Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.

Is there a minimum investment amount for Share Savings Certificates? Dropdown, press enter to open.

The minimum investment amount for a Share Savings Certificate is $1,000.

When I try to open a share savings certificate in Digital Banking, I receive a message "Please add an external funding source to open a certificate." Dropdown, press enter to open.

To add an external funding source, navigate to Transfer & Pay > Add Account.

Must have a DuPage Credit Union membership established and be in good standing.

Share Savings Certificate APY = Annual Percentage Yield. Rates accurate as of 3/17/2025. Rates and Terms are subject to change without notice. The APY may change based on current dividend rates at the time of maturity. APY is accurate of the last dividend declaration date. The APY assumes that all funds will remain on deposit until maturity. Dividends are compounded monthly and paid monthly. A minimum investment of $1,000 is required to open and to earn dividends. Early withdrawal penalties may apply. Earnings may be reduced if fees or penalty are incurred.

High-Yield Savings Account APY = Annual Percentage Yield. No minimum balance requirements apply to this account. This is a tiered dividend rate savings account. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Daily balances up to $55,000 will earn the higher dividend rate. Balances $55,000 or more will earn the stated Membership Savings rate. You must meet the following requirements to earn the High-Yield Savings account annual percentage yield; otherwise, dividends will be paid at the stated Membership Savings rate. See current rates. Must have a Cash Back Checking account or High-Yield Checking account and meet the minimum requirements each month. If at any time the Cash Back or High-Yield Checking account is closed, the High-Yield Savings account will also be closed. Earning may be reduced if fees are incurred. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.

Jumbo Money Market Account and Money Market Account APY = Annual Percentage Yield. Rates are subject to change without notice. The rates may change after the account is opened. APY is accurate of the last dividend declaration date. No dividends paid on days when balance falls below $500 for the Money Market Account or $55,000 for the Jumbo Money market Account. Dividends are compounded daily and paid monthly. Earnings may be reduced if fees are incurred.

We may impose a penalty if you withdraw funds from your account before the maturity date.

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Dividends are compounded monthly and paid monthly. Rates are subject to change.