Do I need to be affiliated with TAFTVAR#cu_short_name#TAFTVAR to open a CD?

No . Membership at Darden Credit Union is open to the public. Anyone can join and lock in these limited-time CD rates in under 5 minutes. When you visit our membership page, just choose: “None of the Above – I’d like to qualify by joining the ACC.”

CDs as High as 4.15% APY*

Q: How much money do I need to open a CD Special or a Jumbo CD?

Standard CD Specials (7, 13, 19, or 25 months): Requires a $500 minimum opening deposit. Jumbo CD Specials: Requires a $100,000 minimum balance to maintain the premium 4.15% APY rate.

Q: Can I open my CD online, or do I need to visit a branch?

You can open your account online in under 5 minutes if funding with $5,000 or less . However, if you are transferring more than $5,000 from another financial institution, you must complete the setup in person at any Darden Credit Union branch.

Q: Are my deposits safe and insured?

Yes. Your funds are federally insured by the National Credit Union Administration (NCUA). Through our excess coverage programs, protection extends up to $15 million , giving you complete peace of mind while your money grows.

Q: What happens when my CD Special reaches maturity?

Your rate is fixed for the full term you select (7, 13, 19, or 25 months). Upon maturity, your CD Special will automatically renew into a standard, non-jumbo share certificate at the corresponding term (6, 12, 18, or 24 months) at the prevailing rate, unless you make changes during your grace period.

Term	APY*
7-Month Special* (renews to 6-month)	4.05% APY ^1,2
13-Month Special* (renews to 12-month)	4.05% APY ^1,2
19-Month Special* (renews to 18-month)	4.05% APY ^1,2
25-Month Special* (renews to 24-month)	4.05% APY ^1,2
Jumbo CDs ($100,000 minimum)	4.15% APY ^1,2,3
Jumbo CDs - Special 7, 13, 19 and 25 month terms available, renewing at the standard, non-jumbo CD at the corresponding term: 6, 12, 18, or 24 months.

FAQs

Do I need to be affiliated with DCU to open a CD?

How much money do I need to open a CD Special or a Jumbo CD?

Can I open my CD online, or do I need to visit a branch?

Are my deposits safe and insured?

What happens when my CD Special reaches maturity?

*APY= Annual Percentage Yield.
** $500 minimum
CD refers to a Share Certificate that earns dividends. CDs funded with more than $5,000 from another financial institution must be opened in person at a branch and cannot be opened online. Credit Union membership required.
1. Rates effective as of July 1, 2026. Rates, terms and conditions are subject to change without notice. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.
2. “Special Offers” will renew at the standard, non-jumbo CD at the corresponding term: 6,12,18, or 24 months.
3. If balance for jumbo certificate falls below $100,000, rate will adjust to the standard share certificate rate with the same term.

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Lock In Up to 4.15% APY* - Open to Everyone

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