Certificates
Does it take time to earn money with our high-dividend savings Certificates? Sure, anywhere from a few months to several years. Does it take any extra effort or investing skill to guarantee success? No, none at all.
Now here's something worth waiting for
Now here's something worth waiting for
Choose savings periods ranging from 6 to 60 months
Feel good that your deposits are government insured
Keep an eye on the rate chart
In general, longer-term Certificates feature the highest rates. But that's not always the case. Before opening your account, you might want to return to this web page and see which Certificate term and rate works best for you.
It's the perfect definition of easy money
Start with a deposit of $1,000 or more. Pick a savings period and lock in a great rate. And then get on with your everyday life in North Texas. There are no additional deposits to make. No shifting funds around to enhance earnings. The only thing you need to do is figure out how to spend all the money you're making.
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Minimum opening deposit of $1,000
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Certificate lengths range from 6 to 60 months
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If you withdraw your funds before the Certificate maturity date, you may lose some dividend income. But your initial deposit is never at risk.
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Certificate funds insured by National Credit Union Administration, a government agency
Build your savings with confidence at DATCU. We make it easy to grow your money, with friendly, local support throughout North Texas.
Frequently asked questions
DATCU offers Free Checking with Interest, Youth Checking, Mean Green Checking (for UNT fans), Small Business Checking, a standard Savings (Share) Account, Certificates (CDs), Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs).
Minimum opening deposit of $5
Dividends are DATCU's version of interest paid to member-owners on their savings accounts. They're calculated based on your daily balance and the current dividend rate, then credited monthly or quarterly depending on the account. Rates are posted here.
Current rates are always posted here. Rates change periodically, so check that page or call (940) 387-8585 for the most current information.
They let you lock in a fixed dividend rate for a set term. In exchange for keeping your funds on deposit for the term, you earn a higher rate than a standard savings account. DATCU's certificates require a minimum deposit and offer competitive rates.
Early withdrawal from a share certificate typically results in a penalty, which is a portion of the dividends earned. The exact penalty depends on the term length. Check the certificate disclosure at datcu.org or ask a branch representative before opening a certificate.
Yes. DATCU allows members to designate payable-on-death (POD) beneficiaries on their accounts. You can add or update beneficiaries through online banking or by visiting a branch with the required information for each beneficiary.
Your financial sidekick
They were fast, friendly, accurate and followed security protocols. Additionally, they were professional and knowledgeable. The information we were given was clear and helpful and made our visit simple. Our officer never stumbled once with answers to our questions. It didn't hurt that CD rates were good.
Kelly W.
Your everyday account, with a little extra
Keep your everyday money in one place and let it earn interest without paying a monthly service fee.
*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 2/17/2026. Rates may change at any time without notice.
