Certificates of Deposit

Certificates of Deposit at Delta Community Credit Union

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.

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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

Check to see just how much you will have once your Personal Certificates of Deposit Account matures with our free Savings Calculators.

Routing Number

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

261071315

Learn More About Certificates of Deposit


  • 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 0.30% 0.30%
    Term:
    6 Month
    Rate:
    0.30%
    APY*:
    0.30%
    12 Month 0.45% 0.45%
    Term:
    12 Month
    Rate:
    0.45%
    APY*:
    0.45%
    24 Month 0.64% 0.65%
    Term:
    24 Month
    Rate:
    0.64%
    APY*:
    0.65%
    36 Month 0.84% 0.85%
    Term:
    36 Month
    Rate:
    0.84%
    APY*:
    0.85%
    60 Month 1.24% 1.25%
    Term:
    60 Month
    Rate:
    1.24%
    APY*:
    1.25%

    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.

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  • Compare Rates

    Compare Certificate of Deposit Accounts

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

    Company Product Name APY*
    Delta Community CU Certificate of Deposit Accounts 0.30%
    Company
    Delta Community CU
    Product Name
    Certificate of Deposit Accounts
    APY*
    0.30%
    SunTrust Suntrust CD 0.10%
    Company
    SunTrust
    Product Name
    Suntrust CD
    APY*
    0.10%
    Regions Regions CD 0.05%
    Company
    Regions
    Product Name
    Regions CD
    APY*
    0.05%
    Bank of America Fixed Term CD 0.03%
    Company
    Bank of America
    Product Name
    Fixed Term CD
    APY*
    0.03%
    Chase Bank Chase CD 0.01%
    Company
    Chase Bank
    Product Name
    Chase CD
    APY*
    0.01%
    Wells Fargo Wells Fargo CD 0.01%
    Company
    Wells Fargo
    Product Name
    Wells Fargo CD
    APY*
    0.01%

    *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.

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  • Apply Now

    Ready to open a Certificate of Deposit?

    All you need to do is log in to your Online Banking Account, go to the Additional Services tab and under Services select Add an Account.

    If you are not an Online Banking participant, you may use the Certificate of Deposit Application. This application requires signatures from primary and joint owners (if applicable).

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APY = Annual Percentage Yield. Competitor products displayed are those with terms comparable to the respective Delta Community product. APYs are accurate as of the first day of the current month and are provided by mybanktracker.com. Consult the financial institution directly for full product terms and current rates. $1,000 minimum opening deposit required. Early withdrawal penalties apply.

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.