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Dakotaland Certificate Accounts

A Dakotaland Certificate is the perfect way to save for an education, the down payment on your first car, or as part of your long-term financial planning. You can reinvest the dividends earned during the term of the certificate so you actually earn dividends on your dividends. Or, if you prefer, you may choose to have the dividends transferred to your savings account on a monthly basis or at maturity.

Regular Certificate Accounts

Put your money in a Regular Certificate for a specified term and for a low minimum balance of $500, we'll give you a great dividend rate. The longer you agree to leave it in, the higher the rate you'll earn. Check our current Certificate Dividend Rates and Annual Percentage Yields.*

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate and savings accounts offered. It tells you at what percentage your money will grow in one year at the same dividend rate - including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Bump-Up Certificate Accounts


Choose A Dakotaland Bump-Up Certificate Account and you'll be covered when dividend rates go up or down . Choose a Dakotaland Certificate and anytime during the term of your certificate you may increase the rate one time. Check out our current Certificate Dividend Rates and Annual Percentage Yields.*

Please Note: Bump-Up Certificate Accounts are available only on 2, 3, 4, and 5 year Certificate Rates.

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate and savings accounts offered. It tells you at what percentage your money will grow in one year at the same dividend rate - including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Kids & Teens Club Certificate Accounts

Dakotaland has a Kids & Teens Club Certificate designed especially for kids & teens! If you're 18 or under, you can open a Kids & Teens Club Certificate with a minimum deposit of $100, rather than our regular $500 minimum.

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate and savings accounts offered. It tells you at what percentage your money will grow in one year at the same dividend rate - including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Penalty Free Certificate Accounts

Choose A Dakotaland Penalty Free Certificate Account and you'll be covered when dividend rates go up or down. Choose a Dakotaland Certificate and anytime during the term of your certificate you may increase the rate an unlimited number of times to the rate currently in effect for accounts of this type. Check out our current Certificate Dividend Rates and Annual Percentage Yields.*

Please Note: Penalty Free Certificate Accounts are available as a special product, and are only available at various times of the year. Please contact the credit union for more information or click on the link above to see if the Penalty Free Certificate Account is available.

Dakotaland Certificates-Easy To Open

You can open a Dakotaland Certificate at any DFCU location, by mail, or by calling any of our Member Service Representatives at (605) 352-2845 or (800) 440-6573. Dakotaland will mail you a maturity notice when your certificate is about to mature if you have designated your certificate as a renewable certificate. Unless you notify us that you would like to withdraw the funds or change your term, we will automatically renew your current certificate for the same term at the dividend rate that is in effect at the time of renewal. If you have have designated your certificate as a non-renewable certificate, upon maturity your certificate funds will be deposited into your Regular Saving Account.

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate and savings accounts offered. It tells you at what percentage your money will grow in one year at the same dividend rate - including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

IRA Certificates

Put a portion or all of your IRA money in an IRA Certificate for a specified term and for a low minimum balance of $500, we'll give you a great dividend rate. The longer you agree to leave it in, the higher the rate you'll earn. Check out our current Certificate Dividend Rates and Annual Percentage Yields.*

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate and savings accounts offered. It tells you at what percentage your money will grow in one year at the same dividend rate - including the effects of compounding. For example, the APY on a 6-Month Certificate would be what you earned at the end of a year if you renewed your certificate once, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Safety & Security

All Dakotaland deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Individual Retirement Accounts are insured for an additional $250,000 per member.