Open a certificate today.

DECU's current certificate rates:
With certificates you save more when you commit to a longer term.

Feature and requirements

  • The minimum deposit to start a certificate is $500
  • The minimum deposit to start a three-month certificate is $5,000
  • Early withdrawal penalty for all certificates, depending on term
  • Maturity dates starting at 3 months from date of deposit to 60 months
  • Dividends are compounded and paid quarterly


Must be a member of Deere Employees Credit Union. To see if you are eligible to join, click JOIN from the menu above.

Open your certificate

If you have a digital banking account with DECU, login to open a certificate.

Using Digital Banking, click the button to the right to login and open a Certificate.
Once logged in, begin by:

  • Select Accounts from the menu
  • Next, select, Open a subshare
  • Next, select, certificates
  • Next, select your certificate term
  • Accept the Terms and Conditions
  • Follow the onscreen instructions to finish setting up your certificate.

If you’d like to open an additional Certificate(s), simply repeat the steps above. Of course, if you have any questions, please do not hesitate to reach out via secure messaging inside Digital Banking, email, or phone.

Or use this form to contact us about opening your certificate.

* APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today’s dividend declaration. Fees may reduce earnings on the account.
**3 Month Certificate requires a minimum deposit of $5,000

Use these calculators to decide what savings account is best for you.

Recommended Reading

How to Winterize Your Home to Avoid Costs in the Spring

Proper home winterization can save you hundreds or even thousands of dollars. It is important maintenance to help protect your home from the natural impact that the winter weather and moisture can bring. It is essential to understand what you need to winterize correctly to protect your home from damage and keep the value as […]

How to Save Money on Holiday Travel

This year has brought a tough economic climate, including high inflation and a less stable employment market. Despite higher prices on everything from flying to buying snacks, many people still want to travel in possible record numbers this holiday season. Just because you want to go home for the holidays doesn’t mean you have to break […]

5 Ways to Prepare Your Finances for the End of the Year

There are certain times throughout the year that cause people to think and take notice of how close they are to reaching their goals, especially financial ones. As one year ends and another begins, there is no time like this time of year to do just that. It’s a great time to reassess where your finances are […]

6 Ways to Stop Living Paycheck to Paycheck

When an individual or a household has a take-home pay that either equals or falls short of their monthly expenses, they are living paycheck-to-paycheck. This typically happens if there is little to no discretionary income available or if excessive debts and spending cause bills not to be paid on time. This means that these households [...]