Certificates

Share Certificates offer an incredibly easy way to save. With a higher dividend rate than a regular Share Savings account, a Democracy FCU Share Certificate is an attractive way to build up savings on your terms.

Share Certificates

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

To open a Share Certificate, simply click below and select "Open a Secondary Account" within our application center.

Open a Share Certificate

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

To open a Youth Certificate, simply click below and select "Open a Secondary Account" within our application center.

Open a Youth Share Certificate

Share Certificate Rates

Table data for Share Certificates
 Effective 01-28-2020
APR APY Minimum Balance Alert Me
3 Month Certificate 0.40% 0.40% $500.00
6 Month Certificate 0.75% 0.75% $500.00
9 Month Certificate1 0.50% 0.50% $100.00
12 Month Certificate2 1.98% 2.00% $1,000.00
17 Month Certificate3 1.637% 1.65% $1,000
24 Month Certificate 1.30% 1.31% $1,000.00
31 Month Certificate4 1.837% 1.85% $1,000
36 Month Certificate 1.55% 1.56% $2,000.00
60 Month Certificate 2.35% 2.37% $2,000.00
The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
  • 1Additional deposits of $25 can be made to 9 Month Certificate through direct deposit only. ↵
  • 2A minimum $1,000 in new funds required and must be brought from an external source. At maturity, all 12-Month Certificates will renew at the 12-Month share certificate rate and term.↵
  • 3A minimum $1,000 in new funds is required and must be brought from an external source. At maturity, all 17-Month Certificates will renew at the 12-Month share certificate rate and term.↵
  • 4A minimum $1,000 in new funds required and must be brought from an external source. At maturity, all 31-Month Certificates will renew at the 24-Month share certificate rate and term.↵

Youth Savings Certificate Rates

Table data for Youth and Young Adult Generation APY Certificate
 Effective 01-28-2020
APR APY Min. Deposit Min. Addtl. Deposit Min. Balance Alert Me
6 Month Certificate 2.00% 2.02% $100 $25 Certificate Balances of $100 - $499.99
6 Month Certificate 2.10% 2.12% $100 $25 Certificate Balances of $500 - $999.99
6 Month Certificate 2.20% 2.22% $100 $25 Certificate Balances of $1,000 and over
Youth/Young Adult Generation APY Certificates are available to any member under age 18. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.