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Certificate of Deposit (CDs)

Meet your financial goals of tomorrow while keeping your investments close to home. Certificates allow for flexible investment terms and amounts while paying a higher dividend than regular savings products.

Certificate of Deposit features:

  • 3, 6, 12, 24, 36 or 60-month terms available
  • Minimum deposit of $1,000
  • Dividends are paid monthly
  • Renewed automatically
  • Deposits are federally insured up to $250,000 by the NCUA.

IRA: Individual Retirement Accounts

SAVE TODAY! Meet your retirement goals of tomorrow while you earn higher dividends.

Contact Denver Fire Department Federal Credit Union today to learn more about our IRA Shares & IRA Certificate of Deposit. Choose from great rates on your CD or choose a liquid IRA Share Account while you build your retirement funds. We have options to fit your specific needs.

  • Minimum $1,000 Balance Required on Certificates of Deposit.
  • Dividends Paid Monthly on CDs and the IRA Share Account.
  • APY - Annual Percentage Yield

Rules and Regulations that govern Individual Retirement Accounts can be complex. DFDFCU recommends all members speak with a tax advisor prior to opening, contributing to, or withdrawing from an IRA. IRA’s invested in Certificates of Deposit may be subject to early withdrawal penalties.

Money Market Accounts

Looking to get a higher return on a secure investment? Money Markets offer a higher return than a regular savings account, but allow you more access to your funds than other investment alternatives. A Money Market Account is an ideal investment option for your portfolio, protecting against the ups and downs of the stock market and mutual funds.

  • A minimum deposit of $5,000 is required to earn the current Money Market APY.
  • You may make up to Six (6) withdrawals or transfers out of the account every month.
  • Your deposits are federally insured up to $250,000 by the NCUA.

*Additional fees may apply to the closing of a Certificate of Deposit. Early withdrawal penalties may apply. Deposits into and withdrawals from Individual Retirement accounts may have significant tax implications. A tax advisor should be contacted prior to making transactions in and out of an Individual Retirement Account. The Money market account has a $5,000 minimum balance for eligibility to earn the posted rate. If the Money market account balance falls under $5,000 at any time during the month, the account will only earn a rate equal to the Share Savings Rate. Any dividend rates disclosed for a certificate of deposit, IRA account or Money market Account are disclosed in APY – Annual Percentage Yield. Additional fees may apply to certificates of deposit, money market and IRA accounts based on usage and account balance. Please review DFDFCU’s Fee Schedule for additional information (Fee Schedule should be linked to our fee page)