back to top

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 01-21-2022
Dividend Rate APY1 Minimum Balance Alert Me
6 Month Certificate 0.05% 0.05% $500
12 Month Certificate 0.10% 0.10% $1000
24 Month Certificate 0.12% 0.12% $500
36 Month Certificate 0.15% 0.15% $2000
48 Month Certificate 0.20% 0.20% $2000
60 Month Certificate 0.25% 0.25% $2000
  • 1The 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.↵

Youth Savings Certificate Rates

Table data for Youth and Young Adult Generation APY Certificate
 Effective 01-21-2022
Dividend Rate APY1 Minimum Addtl. Deposit Minimum Balance Annual Dividens on balences of Alert Me
6 Month Certificate 2.00% 2.02% $25.00 $100.00 $100.00 - $499.99
6 Month Certificate 2.10% 2.12% $25.00 $100.00 $500.00 - $999.99
6 Month Certificate 2.20% 2.22% $25.00 $100.00 $1,000 and over
Youth/Young Adult Generation APY (Annual Percentage Yield) Certificates are available to any member under the age of 18. The 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.
  • 1APY = Annual Percentage Yield. Fees may reduce earnings on the account. Variable rates are subject to change after the account is opened. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.↵

Accounts