Certificates of Deposit

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Maximize your savings with a guaranteed return.

A certificate of deposit (CD) offers a steady and competitive dividend rate for a fixed length of time. Choose a CD as a way to save if you don’t need to access your money for at least six months. If your situation changes and you need access to your funds, the CD can be cancelled. A penalty for early withdrawal may apply.

  • Highly competitive rates
  • Longer-term, higher-interest investments with flexibility of terms and rates
  • Terms range from six months to five years
  • Low minimum investment of $1,000
  • Dividends paid quarterly and at maturity

Young Savers CDs

It’s never too early to start saving. Our Young Savers CDs are designed for our DuTrac Community Credit Union members age 21 and under.

  • $500 minimum deposit
  • Same terms and conditions as DuTrac’s regular CD program apply
  • Available in terms from six months to five years
  • Dividends paid quarterly and at maturity

CD Rate Hot Line

Stay on top of changing rates and terms with DuTrac’s CD Rate Hot Line by calling (563) 557-5010.