Many of the most rewarding certificates of deposit are issued by credit unions. Because credit unions are not-for-profit, they can sometimes provide higher rates than you’ll typically (though not always) find from a bank.
Digital Federal Credit Union (DCU) issues respectable CD rates, some of which can go head-to-head with the fiercest competition. Here’s what you need to know.
As of November 10, 2025, these rates are valid but may be altered.
Digital Federal Credit Union CD rates and products
Digital Federal Credit Union offers standard CDs, jumbo CDs, jump-up CDs, and IRA CDs (both standard and jump-up options). Uniquely, DCU allows you to make additional deposits of at least $100 before maturity if your account term is 12 months or less.
All Digital Federal Credit Union CDs are subject to the same early withdrawal penalties. You’ll pay between 60 and 180 days’ earnings, depending on your term length.
Classic CDs
Digital Federal Credit Union (DCU) offers nine standard CD term lengths. With an accessible minimum deposit requirement of $500, these standard options are great for building a valuable CD ladder.
Digital Federal Credit Union standard CD rates
| Term length | APY |
|---|---|
| 3 months | 3.75% |
| 6 months | 3.50% |
| 9 months | 3.50% |
| 12 months | 3.25% |
| 18 months | 3.25% |
| 24 months | 3.00% |
| 36 months | 3.00% |
| 48 months | 3.25% |
| 60 months | 3.25% |
| 3 months | |
|---|---|
| APY | 3.75% |
| 6 months | |
| APY | 3.50% |
| 9 months | |
| APY | 3.50% |
| 12 months | |
| APY | 3.25% |
| 18 months | |
| APY | 3.25% |
| 24 months | |
| APY | 3.00% |
| 36 months | |
| APY | 3.00% |
| 48 months | |
| APY | 3.25% |
| 60 months | |
| APY | 3.25% |
Bank details checked Nov. 10, 2025
Jumbo CDs
Digital Federal Credit Union’s jumbo CDs require a minimum deposit of $25,000. Your incentive for depositing this larger sum is only a small APY boost above DCU’s standard CD rates.
Digital Federal Credit Union jumbo CD rates
| Term length | APY |
|---|---|
| 3 months | 4.00% |
| 6 months | 3.75% |
| 9 months | 3.75% |
| 12 months | 3.50% |
| 18 months | 3.50% |
| 24 months | 3.25% |
| 36 months | 3.25% |
| 48 months | 3.50% |
| 60 months | 3.50% |
| 3 months | |
|---|---|
| APY | 4.00% |
| 6 months | |
| APY | 3.75% |
| 9 months | |
| APY | 3.75% |
| 12 months | |
| APY | 3.50% |
| 18 months | |
| APY | 3.50% |
| 24 months | |
| APY | 3.25% |
| 36 months | |
| APY | 3.25% |
| 48 months | |
| APY | 3.50% |
| 60 months | |
| APY | 3.50% |
Bank details checked Nov. 10, 2025
Jump-up music CDs
A jump-up CD gives you the power to make one APY increase request per term when the interest rates increase after you open your account. Digital Federal Credit Union offers two jump-up CD term options: 15 months and 27 months.
Digital Federal Credit Union jump-up CD rates
| Term length | APY |
|---|---|
| 15 months | 3.25% (3.50% for balances of $25,000+) |
| 27 months | 3.00% (3.25% for balances over $25,000) |
| 15 months | |
|---|---|
| APY | 3.25% (3.50% for balances of $25,000+) |
| 27 months | |
| APY | 3.00% (3.25% for balances over $25,000) |
Bank details checked Nov. 10, 2025
IRA CDs
IRA CDs can be a great way to steadily and predictably grow your retirement funds without the risks associated with the stock market. Digital Federal Credit Union’s standard and jumbo IRA CDs offer identical term lengths and APYs to its conventional standard and jumbo CDs.
DCU IRA CD rates
| Term length | APY |
|---|---|
| 3 months | 3.75% |
| 6 months | 3.50% |
| 9 months | 3.50% |
| 12 months | 3.25% |
| 18 months | 3.25% |
| 24 months | 3.00% |
| 36 months | 3.00% |
| 48 months | 3.25% |
| 60 months | 3.25% |
| 3 months | |
|---|---|
| APY | 3.75% |
| 6 months | |
| APY | 3.50% |
| 9 months | |
| APY | 3.50% |
| 12 months | |
| APY | 3.25% |
| 18 months | |
| APY | 3.25% |
| 24 months | |
| APY | 3.00% |
| 36 months | |
| APY | 3.00% |
| 48 months | |
| APY | 3.25% |
| 60 months | |
| APY | 3.25% |
Bank details checked Nov. 10, 2025
Digital Federal Credit Union jump-up IRA CD rates
| Term length | APY |
|---|---|
| 15 months | 3.25% |
| 27 months | 3.00% |
| 15 months | |
|---|---|
| APY | 3.25% |
| 27 months | |
| APY | 3.00% |
Bank details checked Nov. 10, 2025
Compare Digital FCU with rivals
Digital Federal Credit Union CDs come with lavish APYs—but they’re not always the highest on the market. Here’s a look at other financial institutions offering competitive CDs.
 Digital Federal Credit Union |  Discover |  Northern Bank Direct |
|---|---|---|
| 3 months | 3 months | 3 months |
| 3.75% | 2.00% | N/A |
| 6 months | 6 months | 6 months |
| 3.50% | 3.50% | 4.00% |
| 9 months | 9 months | 9 months |
| 3.50% | 3.50% | 3.75% |
| 12 months | 12 months | 12 months |
| 3.25% | 4.05% | 3.25% |
| 18 months | 18 months | 18 months |
| 3.25% | 3.70% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at MoneyLion | View offer at MoneyLion | View offer at Northern Bank Direct |
Bank details checked Nov. 10, 2025
Learn more about Digital Federal Credit Union
Formed in 1979, Digital Federal Credit Union is a full-service financial institution that serves over 1 million members. In addition to CDs, it offers checking accounts, high-yield savings accounts, money market accounts, and more. It also issues credit cards, personal loans, and mortgages.
While Digital Federal Credit Union serves all 50 states, its branch locations only exist around Massachusetts and New Hampshire. If you prefer to bank in person, it may not be an ideal institution if you don’t live in one of these areas.
DCU’s membership eligibility criteria are quite accessible, making it possible for almost anyone to join.
Frequently asked question s
Digital FCU CD minimum deposit needed?
The minimum deposit required for a standard and jump-up CD at Digital Federal Credit Union is $500. The minimum deposit for its jumbo CD is $25,000.
Digital Federal CU: CD options
Across all CD types, Digital Federal Credit Union offers 11 term lengths: 3, 6, 9, 12, 15, 18, 24, 27, 36, 48, and 60 months.
Digital FCU CD early withdrawal penalties explained.
The early withdrawal penalties for Digital Federal Credit Union CDs depend on your term length. You’ll pay between 60 and 180 days’ dividend.
Digital Federal Credit Union CD maturity explained
When your Digital Federal Credit Union CD matures, your account will automatically renew unless you give DCU instructions otherwise. CDs with terms of greater than 12 months, you’ll receive a five-day grace period to withdraw your money or reinvest it into another CD. All other terms require that you tell DCU ahead of time what you’d like done with your money.
Are Digital FCU CDs FDIC insured?
No, credit unions like Digital Federal Credit Union are instead insured by the National Credit Union Administration (NCUA). You’ll still be covered up to $250,000 per account holder per account ownership category.