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Share Certificates

Are you saving money to make a big purchase in the future, like a house or car?  Or, do you just want to save money for the future?  Share Certificates are a great financial tool for those looking to save and grow their money at the same time.  A Share Certificate is a high yield term investment.  Essentially, you lock up your money for an extended amount of time, any term between 3-60 months, so it can gain higher dividends.  A Share Certificate is similar to a bank product called a Certificate of Deposit, or CD.*

To start saving with a Share Certificate, all you need is a minimum deposit of $100, which is a low amount compared to other share certificates on the market.  We have a wide range of terms to choose from, so you can choose the term to suit your needs.  Your Certificate will begin earning dividends as soon as it is opened.  These dividends can be paid back to you in a various amount of ways.  They can be compounded back to the certificate, deposited to another account, or simply mailed back to you when your term is up.  When the Share Certificate matures, you can choose to withdraw the money, or roll it into a new Share Certificate.  If you do nothing, we will automatically reinvest the money for you, at the same term and current rate.


  • Great for saving money over an extended period of time
  • Great for reaching savings goals
  • Option to use several Share Certificates to optimize liquidity and savings
  • Low minimum balance requirement
  • Market-leading dividend rates

For more information or to open a Share Certificate, call 303-573-1170 or toll-free 1-877-293-6328.  You can also contact usClick here for current Deposit Rates.

*All certificates automatically renew for another term upon maturity.  All certificates are subject to early withdrawal penalties: term of 12 months or less = 90 days dividends, terms over 12 months = 180 days dividends.  Denver Community Credit Union share accounts are variable rate accounts.  Dividend rates and annual percentage yeilds (APY) are subject to change without notice. 

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