Certificates offer a secure and rewarding way to grow your savings with guaranteed returns.
Start saving on your own schedule.
Safe, Secure, Rewarding.
Flexible terms
Low minimum balance requirement
Competitive rates
Secure your financial future with a Share Certificate at Dutch Point Credit Union. Experience the peace of mind knowing that your investments are safe, insured up to $250,000, and guaranteed to provide you with rewarding returns. With flexible terms and a minimum balance of just $1,000, you can confidently build a strong financial foundation and watch your savings grow with us.
Choose a certificate that meets your needs.
NEW: Freestyle Certificate
Earn higher returns with less restrictions.
- Enjoy up to 3 penalty-free withdrawals
- Make unlimited deposits either online or in person
- Earn a competitive rate of return
Traditional Certificate
Enjoy peace of mind as your savings safely grows.
- Lock in your funds for a dedicated rate and term
- Watch your money work for you as it earns dividends
- NCUA insurance protects your hard-earned investments
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*Annual Percentage Yield. Share Certificate APY assumes dividends are retained in the certificate. Fees may reduce earnings. The Freestyle Certificate is for a 12 month term. The minimum deposit to open is $5,000.00. If the balance falls below $5,000.00 the certificate will be closed. Unlimited deposits may be made during the certificate term not to exceed a maximum balance of $500,000.00. Three (3) penalty-free withdrawals are allowed, afterward a penalty may be imposed for the early withdrawal of principal. The certificate will be automatically renewed to the same type and term at maturity.
For all other Certificates, $1,000 minimum balance is required to earn dividends, except for Youth Certificates which is $500, Save to Win Certificates which is $25, and Jumbo Certificates which is $100,000. Share Certificate APY assumes dividends are retained in the certificate. A certificate dividend penalty will be imposed for early withdrawal and will affect APY*; fees may reduce earnings. Rates are fixed for the term of the share certificate.