Certificates

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Dirigo FCU › Personal › Savings › Certificates

Certificates

Earn dividends on money you’re saving.

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Get paid to save.

Certificates are a great way to earn dividends on money you’re saving. All of our certificate options must be opened in person at one of our branches!

Certificates

  • $500 minimum balance required
  • Fixed rate, varies with term
  • Dividends are based on a daily balance and paid monthly
  • 90-day penalty of dividends for early withdrawal for terms under 2 years; 180-day penalty of dividends for early withdrawal for terms 2 years and above
  • 6 months to 5 year terms available

Jumbo Certificates

  • $100,000 minimum balance required
  • See above for all other account features

Relationship Pricing

Relationship pricing for IRA Certificates is available for aggregate certificate account balances over $100,000. +0.10% not to exceed Jumbo Rates for same term.

Rates

Share Certificates

TermDividend RateAnnual
Percentage
Yield		Minimum to Open/Obtain
Annual Percentage
Yield
6 Months4.31%4.40%$500.00
9 Months4.17%4.25%$500.00
1 Year4.03%4.10%$500.00
15 Months3.88%3.95%$500.00
2 Years3.78%3.85%$500.00
3 Years3.93%4.00%$500.00
4 Years3.93%4.00%$500.00
5 Years3.93%4.00%$500.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

View Disclosures

Jumbo Share Certificates

TermDividend RateAnnual
Percentage
Yield		Minimum Balance to Open/Obtain
Annual Percentage
Yield
6 Month4.41%4.50%$100,000.00
9 Month4.27%4.35%$100,000.00
1 Year4.12%4.20%$100,000.00
15 Month3.98%4.05%$100,000.00
2 Year3.88%3.95%$100,000.00
3 Year4.03%4.11%$100,000.00
4 Year4.03%4.11%$100,000.00
5 Year4.03%4.11%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

View Disclosures