Skip to main content
There are a number of great reasons to open our CD

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.

Learn More about Certificates of Deposit Apply Now for a Certificates of Deposit

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.

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 0.35% 0.35%
Term:
6 Month
Rate:
0.35%
APY*:
0.35%
12 Month 0.79% 0.80%
Term:
12 Month
Rate:
0.79%
APY*:
0.80%
24 Month 0.99% 1.00%
Term:
24 Month
Rate:
0.99%
APY*:
1.00%
36 Month 1.14% 1.15%
Term:
36 Month
Rate:
1.14%
APY*:
1.15%
60 Month 1.34% 1.35%
Term:
60 Month
Rate:
1.34%
APY*:
1.35%

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 CU Certificate of Deposit Accounts 0.35%
Company
Delta Community CU
Product Name
Certificate of Deposit Accounts
APY*
0.35%
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%
PNC Bank Fixed Rate CD 0.02%
Company
PNC Bank
Product Name
Fixed Rate CD
APY*
0.02%
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.

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.