Certificates

It's time your money does more for you.

What does it take to earn a nice payoff? Just a little patience.

High-performance, no risk
Choice of Saving Periods
Higher Returns
Modest Initial Investment

A smart, safe move that takes your savings to new levels.

You work hard for your money. Let us return the favor. A Certificate of Deposit can make that happen.

CD Rates

Term Interest Rate APY*
6 months2.75%2.79%
12 months3.75%3.82%
24 months3.90%3.97%
36 months2.55%2.58%
48 months2.55%2.58%
60 months2.55%2.58%

*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. APY is earned when dividend is posted to your Certificate. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 11/17/2022. Rates may change at any time without notice.

There are no complicated rules or calculated risks involved. Just invest for six months or five years - or somewhere in between - and you're sure to walk away with more than you started.

  • Choose terms ranging from 6 to 60 months
  • Minimum opening deposit of $1,000
  • Earn more than you would with a traditional savings account
  • In general, longer terms feature higher rates
  • Early withdrawals may result in loss of interest earnings, but your initial investment will never be at risk

DATCU is a full-service financial institution serving Denton, Cooke, Wise, Montague, Collin, Dallas, Tarrant, Jack, Parker, Grayson and Clay counties in Texas.

Earn Up To
3.97%APY
Open an Account