Personal Savings


Share Certificates

A safety net for your safety net — enjoy a risk-free investment

Become a serious investor with a secure Share Certificate from Del-One FCU. The term is up to you and longer terms earn higher rates — so you’ll know exactly how much you’re getting and when. No guesswork. No gambling. Just a set-it-and-forget-it way to grow your savings without a second thought.

Ask about our new bump-rate option! During the term of applicable certificates, you have the option to increase your rate one time to the current rate being offered (at the time).

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Jumbo Share and IRA Certificates available
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • $500 minimum deposit to open

View our current rates.


Share & IRA Certificates

Term Dividend Rate APYB
6 Month 0.60% 0.60%
12 Month 1.85% 1.87%
18 Month 2.20% 2.22%
24 Month ** up to 2.95% 2.99%
36 Month ** up to 3.00% 3.04%
42 Month ** up to 3.05% 3.09%
60 Month ** up to 3.40% 3.45%

Grow your savings securelyChoose your term and get started today

*Early withdrawals may result in penalties:

  • Terms of 6 months or less – 31 days' dividends
  • Terms of 12 months – 91 days' dividends
  • Terms longer than 12 months – 181 days' dividends

**Rate includes a 25 bp bonus for having a Better Life Checking account.

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