Certificates

Watch your money grow with Democracy FCU’s Certificate Special!

Earn more dividends with our 30 month Certificate Special! Take advantage of this incredible rate before you miss out on more savings.

  • 4.57% APY*
  • 30 month term
  • Minimum deposit of $2,500

More Information

*The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. The APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited. New money only. 


Share Certificates

  • Terms from 6 months to 60 months
  • Minimum balance varies based on terms

Youth & Young Adult Generation APY Certificate

  • Available to all members under 18
  • Six month term
  • $100 minimum deposit
  • Rates tiered based on minimum balance
  • Competitive rates designed to promote youth and young adults savings