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Your term. Your rate. Your advantage.
Open accountCD Calculator
See what your CD could earn
Growth over 30 months
Balance grows from $100,000 to $112,435.44
At maturity$112,435.44
Principal $100,000Interest $12,435.44
Balance at maturity
$112,435.44
Interest earned
$12,435.44
Term Selected
30 months · 4.80% APY · Promo
Rate tier
$100,000+
$
$100,000+ earns our higher Jumbo APY.
Select term
CD Share Certificates
Guaranteed returns
Our CD Share Certificates provide a safe and reliable way to grow your savings. Benefit from fixed rates and a range of terms.
Open a certificateHigh fixed interest rates
Earn guaranteed returns with competitive fixed interest rates.
Flexible terms
Choose from a variety of terms to match your savings goals.
Safe and secure
Enjoy the peace of mind that comes with federally insured deposits.
Renewal Options
Automatic renewal with more rollover options to continue growing your savings effortlessly.
Steady growth
Watch your money grow steadily over the chosen term.
Key features
Dividends compounded
Daily compounding means your savings can grow even faster.
No monthly fees
Say goodbye to hidden charges — our CD Share Certificates come with no monthly fees.
Withdraw dividends
Monthly dividends are available for withdrawal without penalty.
Digital banking
Seamlessly manage your account anytime, anywhere through our secure online platform and mobile app.
Reach out
Want to talk through your saving needs?
Get assistance from a Relationship Banker.
CD Share Certificate FAQs
Answers to common questions about terms, rates, dividends, and maturity.
A CD Share Certificate is a savings account that allows you to earn a fixed dividend rate when you keep your money deposited for a specific period of time, known as the term. Direct Federal offers a variety of terms so you can choose an option that fits your savings goals.
CD Share Certificates
To see the full table, scroll horizontally.
term (months)
Rate
APY1
Jumbo Rate
Jumbo APY1
3*
0.0426
0.0435
0.0431
0.0440
6
0.0363
0.0370
0.0368
0.0375
8
0.0353
0.0360
0.0358
0.0365
9
0.0353
0.0360
0.0358
0.0365
16
0.0291
0.0295
0.0296
0.0300
18*
0.0450
0.0460
0.0455
0.0465
30*
0.0464
0.0475
0.0469
0.0480
36
0.0320
0.0325
0.0325
0.0330
Disclosures
Annual Percentage Yield (APY). The APY and dividend rates are effective as of 12/20/2025 and may change at any time without notice. A minimum deposit of $250.00 is required to open and earn APY. The APY for all Share Certificates assumes the dividend will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. A penalty will be imposed for the withdrawal of the principal before maturity. At maturity, Share Certificates will renew at the same term unless you inform us otherwise. Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account, the APY will be 0.10% lower.
- New Money Only