Share Certificates

Share Certificates are a great mid-level investment solution for guaranteed results without risk*. With variable terms ranging from six months to five years, available for as little as $500. 

Open a Share Certificate

Features | Benefits 

  • Great yields and flexible monthly terms, up to 84 months
  • Dividends can be applied directly to the certificate, or transferred to your savings or checking account
  • NCUA insurance up to the maximum allowed by law (currently $250,000 for each depositor for all combined deposits)
  • Relationship reward benefits of up to an Additional 0.25% APY!** 
  • Open with $25,000 or more and earn an Additional 0.10% APY!**
  • 10 Day grace period to renew or close
  • No monthly service fee
  • Online account access

*An early withdrawal penalty may be assessed

**APY=Annual Percentage Yield


Check Today's Rates

See our current APY 

Calculator

Find out how much you can earn by opening a certificate

Open a Certificate

Certificate Ladder

See how a share certificate Ladder can help you earn more









Individual Retirement Accounts (IRAs)

Near or Far, retirement is in your future. 

Be ready. Saving for retirement is an important issue that everyone should keep top of mind. We offer several options to meet your needs. Learn more about them and how you can start building your future.


Traditional IRAs

Provide a tax deferral for qualified contributions. Learn How

Roth IRAs

Provide tax-free earnings at the time of withdrawal. Learn How 

Education IRAs

Help parents and students save for qualified educational expenses, including elementary, middle and high school, as well as vocational, college and graduate-level costs. Contact us to learn more about it. 

IRA Money Market Account

Earn interest with flexible terms and only $100 to start. See rates

IRA CDs

Require no minimum contributions and earning grow tax-deferred until withdrawn.*

Included with all DOCFCU IRA's

  • Dividends posted monthly 
  • NCUA insurance up to the maximum allowed by law (currently $250,000 for each depositor for all combined deposits)
  • Rate increase of .01% for gold members for every month within a term
  • 10 day grace period to renew or close
  • No monthly service fee
  • Online account access

* Please consult with your tax advisor for details.


Rates

Effective: 9/1/17 

IRAs & Money Market Accounts (MMA)
(Includes Traditional, Roth & Education IRAs)
Rate APY*
IRA Balance ≥ $100 - $19,999
0.60% 0.60%
MMA Balance ≥ $2,500 - $19,999 0.60% 0.60%
Balance ≥ $20,000 - $49,999 0.65% 0.65%
Balance ≥ $50,000 0.70% 0.70%

Open Account




Not sure which IRA is right for you? 

Contact us at 202-808-3600 to discuss your options with one of our financial experts.