Access Your Account
Login Enroll

Time for investment

Share Certificates

Share Certificates of Deposit

A Share Certificate Account is a term investment offering a guaranteed dividend rate to maturity. A certificate account provides higher yields on funds invested for thirty days to five years. Compare us to the competition!

  • $500.00 minimum deposit
  • Insured by the NCUA to $250,000.00
  • Additional $750,000.00 of Excess Share Insurance available, click here for more information.
  • Terms from 31 days to 5 years
  • Rates are fixed for the duration of term
  • Dividends are paid monthly and at maturity
  • You can direct your dividends to be:
    • added to your certificate account principal or
    • automatically transferred to your Desco checking or savings account or
    • mailed to your home


Share Certificates could have an early withdrawal penalty.