Savings Certificates

Start with your hard-earned money. Then choose a savings period ranging from several months to a few years. Top it off with some of our best rates and you have a surefire recipe for financial success.

Look forward to higher earnings

Your choice of terms
We offer Savings Certificates ranging from 6 months to 5 years.
Safe, steady growth
Your dividend rate is locked in from day one, so you don't have to worry about economic ups and downs.
Patience pays off
In general, longer term Certificates pay higher dividend rates.

Results that are worth the wait

Save for next semester's tuition. Or next year's new car. Or look down the road toward retirement. With our higher rates and choice of savings periods, Dominion Energy Credit Union Savings Certificates are a smart way to save for whatever the future holds. 

  • Savings Certificates pay higher dividend rates than most standard savings accounts
  • Minimum deposit of $1,000
  • Transfer money from another DECU account to open
  • Choose terms ranging from 6 to 60 months
  • Guaranteed returns as long as you let your Certificate reach maturity
  • Access funds on a set maturity date
  • Deposits up to $250,000 insured by the National Credit Union Administration
  • Calculate how much you can earn

Frequently Asked Questions

Your shares are insured up to at least $250,000 through the National Credit Union Administration (NCUA) just like the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC). NCUA is a well-respected federal agency backed by the full faith of the Federal Government. No credit union member has ever lost a penny of insured funds in the entire history of NCUA.

Several options are available for additional share insurance coverage for members with more than $250,000. This NCUA brochure gives an overview. You can learn more about NCUA share insurance online and by using NCUA’s share insurance estimator. Please call Member Services at 800-268-6928 for assistance and to discuss your specific needs.

Yes! Your deposits at Dominion Energy Credit Union are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA) which works just like the FDIC. Additional coverage options may be available - please call for more information. You may also wish to visit  - this site features a share insurance toolkit  and insurance estimator that may prove useful. For more information visit

If you access funds before your set maturity date there will be a penalty for early withdrawal. Fees may reduce earnings. Please call 800-268-6928 for details. 

Simplified money management

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