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Certificates of Deposit

Add Our CDs to Your Interest Collection

One of the first things you need to know about managing your finances wisely is that you shouldn’t let your money just sit. So if you have money lounging around in a checking account or savings account, you might want to put it into one of our Personal Certificates of Deposit, where it can earn a higher rate of interest.

Interested in other savings options? In addition to our high-yield Certificates of Deposit, we also have great rates on Money Market Accounts. Take a look at our competitive dividend rates for our full range of interest-bearing accounts.

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Overview & Benefits
Rates
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Overview & Benefits

What is a Certificate of Deposit or CD Account?

A certificate of deposit (CD) is another way for you to watch your money grow at a higher interest rate. It is similar to a savings account in that it helps you grow your money, but CDs are a time deposit. Your deposited funds are set for a fixed-term and can be used once the certificate of deposit has matured (fixed-term is complete).

All of our Personal Certificates of Deposit earn interest daily and have flexible terms to fit your financial needs. And when the CD matures, you can renew it for another consecutive term or have the funds transferred to your Checking, Savings, Additional Savings or Money Market Account.

Here are some other helpful facts about our CDs:

Maturity notices sent 30 days from maturity date
Interest compounds monthly or can be transferred monthly to your Checking, Savings, Additional Savings Account or Money Market Account
6, 12, 24, 36 or 60 month terms available
Joint ownership and beneficiaries permitted
10-day grace period for cancellation of renewal at maturity

Routing Number

Where's our routing number when you need it?
Right here:

261071315

Rates

Certificate of Deposit Rates

With Delta Community Credit Union, the longer the term you choose for your Personal Certificate of Deposit Account the higher your CD rates will be, and the more money you will have once it matures.

Term	Rate	APY*
6 Month	1.49%	1.50%	Term: 6 Month Rate: 1.49% APY*: 1.50%
12 Month	3.92%	4.00%	Term: 12 Month Rate: 3.92% APY*: 4.00%
24 Month	4.02%	4.10%	Term: 24 Month Rate: 4.02% APY*: 4.10%
36 Month	4.07%	4.15%	Term: 36 Month Rate: 4.07% APY*: 4.15%
60 Month	4.17%	4.25%	Term: 60 Month Rate: 4.17% APY*: 4.25%

View Current Certificate of Deposit (CD) Disclosure Supplement

Minimum Opening Deposit: $1,000.00
Minimum Balance: $1,000.00
*APY = Annual Percentage Yield. Rates subject to change.
Rates are effective as of the first day of the current month.
Early withdrawal penalties apply.

Compare Rates

Compare Certificate of Deposit Accounts

Delta Community Credit Union has one of the highest certificate of deposit rates compared to traditional banks.

Company	Product Name	APY*
Delta Community	Certificate of Deposit Accounts	1.50%	Company Delta Community Product Name Certificate of Deposit Accounts APY* 1.50%
Chase Bank	Chase CD	0.01%	Company Chase Bank Product Name Chase CD APY* 0.01%
Bank of America	Fixed Term CD	0.03%	Company Bank of America Product Name Fixed Term CD APY* 0.03%
Wells Fargo	Wells Fargo CD	1.01%	Company Wells Fargo Product Name Wells Fargo CD APY* 1.01%
PNC Bank	Fixed Rate CD	0.02%	Company PNC Bank Product Name Fixed Rate CD APY* 0.02%

Company	Product Name	APY*
Delta Community	Certificate of Deposit Accounts	4.00%	Company Delta Community Product Name Certificate of Deposit Accounts APY* 4.00%
Chase Bank	Chase CD	0.01%	Company Chase Bank Product Name Chase CD APY* 0.01%
Bank of America	Fixed Term CD	0.03%	Company Bank of America Product Name Fixed Term CD APY* 0.03%
Wells Fargo	Wells Fargo CD	1.50%	Company Wells Fargo Product Name Wells Fargo CD APY* 1.50%
PNC Bank	Fixed Rate CD	0.02%	Company PNC Bank Product Name Fixed Rate CD APY* 0.02%

Company	Product Name	APY*
Delta Community	Certificate of Deposit Accounts	4.10%	Company Delta Community Product Name Certificate of Deposit Accounts APY* 4.10%
Chase Bank	Chase CD	0.01%	Company Chase Bank Product Name Chase CD APY* 0.01%
Bank of America	Fixed Term CD	0.03%	Company Bank of America Product Name Fixed Term CD APY* 0.03%
PNC Bank	Fixed Rate CD	0.02%	Company PNC Bank Product Name Fixed Rate CD APY* 0.02%

Company	Product Name	APY*
Delta Community	Certificate of Deposit Accounts	4.15%	Company Delta Community Product Name Certificate of Deposit Accounts APY* 4.15%
Chase Bank	Chase CD	0.01%	Company Chase Bank Product Name Chase CD APY* 0.01%
Bank of America	Fixed Term CD	0.03%	Company Bank of America Product Name Fixed Term CD APY* 0.03%
PNC Bank	Fixed Rate CD	0.02%	Company PNC Bank Product Name Fixed Rate CD APY* 0.02%

Company	Product Name	APY*
Delta Community	Certificate of Deposit Accounts	4.25%	Company Delta Community Product Name Certificate of Deposit Accounts APY* 4.25%
Chase Bank	Chase CD	0.01%	Company Chase Bank Product Name Chase CD APY* 0.01%
Bank of America	Fixed Term CD	0.03%	Company Bank of America Product Name Fixed Term CD APY* 0.03%
PNC Bank	Fixed Rate CD	0.02%	Company PNC Bank Product Name Fixed Rate CD APY* 0.02%

*APY = Annual Percentage Yield. APYs are accurate as of the first day of the current month and are subject to change. Consult the financial institution directly for full product terms and current rates. Rates provided by MyBankTracker.com.

You'll Find These Helpful

How do I open a CD?

You can open a new CD through your Online or Mobile Banking. Here, you can add existing joint owner(s) and beneficiaries that are currently included on your primary savings account or elect not to name anyone as a joint owner or beneficiary. Within Online Banking, simply select Add an Account located under Additional Services. From within the Mobile Banking app, select More to access Add an Account.

If you are not an Online or Mobile Banking user or if you need to open a CD with different joint owner/beneficiaries, you may use the Certificate of Deposit Application. This application requires signatures from you and all joint owners (if applicable).

Can a joint owner open a CD?

No. The signature of the primary member is required to open a CD. A joint owner of the CD is authorized however to request the closing of a CD.

What is the difference between the savings rates and a CD rate?

Rates offered on CDs are higher than rates offered on regular share accounts. However, once a CD is purchased, the rate at the time of purchase is fixed for the term of the CD, whereas the rates on regular shares are not fixed, and can fluctuate monthly based on market demands.

Are CDs insured?

Yes. CDs are insured through NCUA. Existing titling requirements/guidelines apply.

What terms are offered for CDs?

We offer 6, 12, 24, 36 and 60 month terms. Learn more about Certificates of Deposit.

What is the minimum deposit to open a CD?

The minimum deposit is $1,000.

Can I open up the CD today and deposit the money later?

Yes. You will have 14 days to make a deposit to your CD using a payment method such as, Online Banking transfer or Account to Account (A2A) transfer from another financial institution, as well as other deposit options. As a benefit to our members, you’ll be guaranteed the best available rate between the day you open the CD and the date you fund it.

What fees and penalties are involved with a CD?

There is no monthly charge or fee for maintaining a CD. An early withdrawal penalty is incurred when a CD is closed prior to maturity. Early withdrawal penalties are as follows:

Available Terms	Early Withdrawal
6 months	60 days of interest	Available Terms 6 months Early Withdrawal 60 days of interest
12 months	90 days of interest	Available Terms 12 months Early Withdrawal 90 days of interest
24 or 36 months	180 days of interest	Available Terms 24 or 36 months Early Withdrawal 180 days of interest
60 months	270 days of interest	Available Terms60 months Early Withdrawal270 days of interest

Partial withdrawals are not allowed with CDs.

What is a maturity date? Why is it important?

The maturity date is the date on which the term of the CD expires. At this time the CD is either renewed for another term at the current rate, or the funds are transferred into any share and the CD is closed. It is important because the rate remains fixed up to this point.

Can I change my renewal selection I made when opening my CD?

Yes. You may change your renewal selection at any time before your CD has reached its maturity date. You can contact us within Online Banking from Contact Us located under Additional Services, by phone or by visiting one of our branches. Please provide your instructions to either renew or deposit the funds into the selected account.

If your CD renews on the maturity date, you will have a 10- day grace period from the date following the maturity date to close the CD without incurring a penalty (penalties can be found above). For example, if your CD renews on the 1st of the month, you will have through the 11th of the same month to close the CD without incurring a penalty.

Changes to an existing CD cannot be made during the grace period. If you would like to change the term of or withdraw funds from your CD, you will need to close the existing CD and open one with new terms and conditions.

Can I discontinue my CD before the maturity date?

Yes. CDs can be discontinued before maturity, although you may be subject to an early withdrawal fee based on the term of the CD (see fees above).

Can I extend my CD term once opened?

No. After your CD matures you may use your funds and open a new CD with a different term.

How do I receive my interest? Can I make a change on how the interest is disbursed before the CD matures?

Your interest may be posted monthly back into your CD, into another share, or a check may be issued for the monthly dividend amount. You may change how your interest is disbursed at any time before your CD reaches maturity. Contact us via Online Banking from Contact Us under Additional Services, by phone, or come into one of our branches to request the change.

When is interest posted for CDs?

The interest is posted on the last day of the month, just as they are with other deposit accounts.

Are partial withdrawals allowed for CDs?

Partial withdrawals are not allowed. The funds must remain in the CD for the entire term. If a withdrawal is made, it must be for the complete balance and the CD will be closed. If closed prior to the maturity date, an early withdrawal fee may be assessed.

Are CDs allowed on a minor's account?

Yes. A CD can be opened on a minor's account with a qualified joint owner.

Can a CD be used as collateral on a loan?

No, a CD cannot be used as collateral.

Can additional deposits be made to the CD after the CD is opened?

No, additional deposits cannot be made without closing the CD. If you have any questions, please contact 800-544-3328 for additional assistance or send us a message within Online Banking from Contact Us located under Additional Services.

Are joint owners and beneficiaries allowed on a CD and can they be changed after the CD has been opened?

Yes, joint owners and beneficiaries are allowed and can be changed once the CD has been opened.

To change or remove beneficiaries you may use the Designation of Beneficiaries form. To change or remove joint owners please log in and contact us within Online Banking from Contact Us under Additional Services to request the paperwork necessary to make the desired changes.

Learn more about Certificates of Deposit.

How can I review my active CD(s)?

A CD can be reviewed via the contract received in the branch or by email. It can also be reviewed in Online Banking. To review it in Online Banking, click on the active CD under Accounts, and then click on Account Details to expand the details.

What is the difference between a Medallion Guarantee and a Notary Public?

Notary service is used to guarantee the validity of a signature only. A Notary Public is a public officer who witnesses and certifies the authenticity of signatures on deeds and other written instruments. They also may administer oaths and affirmations when needed and make certified copies of certain unrecorded original documents The Notary Public serves as an impartial witness to a transaction on legal documents, e.g. deeds, affidavits, etc. . Notaries are available at all branch locations at no charge to our members, shared branch members and non-members. Please note that we are unable to notarize I-9 forms or on wills.

A Medallion Guarantee is used only in situations involving the sale or transfer of securities. A Medallion Guarantor bears financial liability should the signature prove to be fraudulent. The Medallion Signature Guarantee Service is available at all branch locations. Some documents require further research and may require 3-5 business days to review. Copies will be submitted and you will retain your original documentation. Click on Medallion Stamp Member Checklist to access a form that will assist you with the preparation of documents requiring a Medallion Signature Guarantee.

Note: The Signature Validation Program, SVP, is a different program and is not available through the Delta Community. For more information about the SVP, go to http://www.svprogram.com/.

Is Delta Community a member of the Medallion Program with the Security Exchange Commission?

Yes, Delta Community participates with the Securities Transfer Agents Medallion Program (STAMP) when assisting you with Medallion Signature Guarantee requests. The STAMP program is one of three programs accepted by the SEC. At this time, this service is not available for business entities.

What does it mean when a transaction receives a Medallion Guarantee?

Each time a Medallion is used, the Guarantor is making the warranties of Section 8-306 of the Uniform Commercial Code (UCC). The UCC defines a guarantee of a signature as a warranty, with respect to the signature of the endorser of a security or an or an originator of an instruction regarding a security, that, at the time of signing, (a) the signature was genuine; (b) the signer was an appropriate person to sign, or if the signature was by an agent, the agent had actual authority to act on behalf of the appropriate person; and (c) the signer had the legal capacity to sign. Section 8-306 also states that the guarantor does not otherwise warrant the rightfulness of the transfer.

What is a Security?

Securities are shares, participations, or other interests in the property of an enterprise of an Issuer. You may have heard them referred to as stocks, bonds or funds. A Security is represented by an instrument which is in ‘Book entry’ or certificated form and is issued in the name(s) of a person(s) entitled to the Security or to certain rights represented by the Security. The instrument must be commonly traded on securities exchanges or in securities markets, or commonly recognized as a medium for investment where it is issued or traded.

On what documents can the Medallion Guarantee be used?

The Medallion Guarantee should be used only to guarantee an endorsement that authorities the sale, transfer, or redemption of a security of up to $500,000. Examples include: Mutual Fund Liquidation request, transfer or sale of shares of stock and U.S. Savings Bond redemption. At this time, this service is not available for business entities.

What documents should not be guaranteed?

Medallions are not intended for use in guaranteeing or certifying routine administrative changes such as address or TIN updates, account number changes and the like. Examples include: 401(k) Enrollment forms, Term Life insurance policies, Tax returns, Mortgage, or Car Loan documents. Of note, Medallions should not be used when transferring funds from one insurance product to another insurance product. For example, a 1035 exchange from a fixed annuity to a fixed indexed annuity would not need to be Medallion Guaranteed.

Proper Uses of the Medallion Stamp

The Medallion Stamp can be used to guarantee an endorsement on transactions up to $500,000 involving a change in ownership or a liquidation of the following items:

Stocks
Bonds
Mutual Funds
Savings Bonds (or any Governmental Debt Obligation)
Unit Investment Trusts
Other investment vehicles that meet the definition of a security

Note: A request to change the name shown on a security is considered a change in ownership and is a proper use of the Medallion Stamp.

Improper uses of the Medallion Stamp

The Medallion Stamp should not be used on transactions that do not involve the sale, transfer, redemption, or liquidation of securities, such as:

Requests from business entities (corporations, LLCs, partnerships, etc.)
Savings Account Withdrawals
Bank Account Close-outs
Check Endorsements
Home Equity Loan Applications
Auto Loan Applications
Certificates of Deposit
Amendments to Partnership or Trust Agreements
Changes to Life Insurance or Pension Trust Beneficiaries
Electronic Funds Transfer Enrollment Forms
Treasury Direct Administrative Account Updates
Copies of Documents not involved in a Security Transaction
IRAs that do not contain Securities
Guaranteeing or certifying maintenance or administrative changes, such as address or TIN updates, account number changes and the like
Forms with whiteout on original forms will not be accepted

What type of investments does the credit union invest its funds in?

Delta Community Credit Union primarily invests its money in making loans to members. The credit union also invests in high quality, low risk instruments, such as U.S. Government and agency securities, certificates of deposit and overnight investments.

CDs are federally insured by the National Credit Union Administration (NCUA), a federal government agency. The basic insurance amount is $250,000 per individual account holder. Share insurance coverage can be increased if accounts are held in different categories of ownership, such as joint accounts and payable-on-death accounts.