Bank Rates

Earn more interest and make your money work harder with unbeatable rates on savings accounts, money markets, and more—all globally accessible and federally insured.
View All Rates

CD Share Certificates

To see the full table, scroll horizontally.
term (months)
Rate
APY1
Jumbo Rate
Jumbo APY1
3
0.0075
0.0075
0.0080
0.0080
6*
0.0416
0.0425
0.0421
0.0430
9
0.0402
0.0410
0.0407
0.0415
12
0.0296
0.0300
0.0301
0.0306
15
0.0296
0.0300
0.0301
0.0306
24
0.0320
0.0325
0.0325
0.0330
36
0.0320
0.0325
0.0325
0.0330
48
0.0320
0.0325
0.0325
0.0330
60
0.0344
0.0350
0.0349
0.0355
View Disclosures
Annual Percentage Yield (APY). The APY and dividend rates are effective as of 01/18/2025 and may change at any time without notice. A minimum deposit of $250.00 is required to open and earn APY. The APY for all Share Certificates assumes the dividend will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. A penalty will be imposed for the withdrawal of the principal before maturity. At maturity, Share Certificates will renew at the same term unless you inform us otherwise. Jumbo rates apply for deposits of $100,000 or more.
  • New Money Only
Explore CDs

Business CD Share Certificates

To see the full table, scroll horizontally.
term (months)
Rate
APY1
Jumbo Rate
Jumbo APY1
3
0.0075
0.0075
0.0080
0.0080
6*
0.0416
0.0425
0.0421
0.0430
9
0.0402
0.0410
0.0407
0.0415
12
0.0296
0.0300
0.0301
0.0306
15
0.0296
0.0300
0.0301
0.0306
24
0.0320
0.0325
0.0325
0.0330
36
0.0320
0.0325
0.0325
0.0330
48
0.0320
0.0325
0.0325
0.0330
60
0.0344
0.0350
0.0349
0.0355
View Disclosures
Annual Percentage Yield (APY). The APY and dividend rates are effective as of 01/18/2025 and may change at any time without notice. A minimum deposit of $250.00 is required to open and earn APY. The APY for all Share Certificates assumes the dividend will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. A penalty will be imposed for the withdrawal of the principal before maturity. At maturity, Share Certificates will renew at the same term unless you inform us otherwise. Jumbo rates apply for deposits of $100,000 or more. *New Money Only
  • New Money Only
Explore Business CDs

Money Market

Account Type

To see the full table, scroll horizontally.
Balance
Rate
APY1
$25,000+
0.0393
0.0400
$0 - $24,999.99
0.0000
0.0000
View Disclosures

Annual Percentage Yield (APY) is 4.00%. APY is guaranteed through June 30, 2025. The Rate-Lock Money Market APY and Dividend Rate are in effect as of 01/01/2025. This offer may be discontinued by the Credit Union at any time. The minimum deposit to open a Rate-Lock Money Market Account is $500 and there is a minimum daily balance of $25,000 to earn the stated APY. If the balance in the Rate-Lock Money Market Account falls below $25,000 for any day during the month, no interest will be paid for that dividend period. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. New money only. Federally insured by the NCUA.  

Explore Money Market Accounts

Savings Account

Rate
APY1
0.0010
0.0010
View Disclosures
Annual Percentage Yield (APY). The APY and dividend rates are effective as of 04/29/2023 and may change at any time without notice.
Explore Savings Accounts
Connect

Contact us

Direct Federal Credit Union is here for you, on your schedule.