Information and Alerts

Share Certificates

Financial goals become fantastic realities

Increased rates = increased savings

Don’t hesitate, do more with your money through higher interest rates! A share certificate lets you save money for a specified amount of time. In return you’ll typically earn a higher interest rate than a regular savings account. Boost your savings today so you’ll be prepared for a better financial future!
  • Higher APY options than a regular savings account
  • Guaranteed return on investment
  • Less risky than stock market options
Start Earning More
Regular Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3 Months0.05%0.05%0.05%0.05%
6 Months5.12%5.25%5.12%5.25%
12 Months5.26%5.40%5.26%5.40%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $500. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Federally insured by NCUA. Additional products and rates, including Jumbo Certificates, are listed here.

The Modern Money Tree

Above all, our certificates offer you the perfect path towards future goals. So how will you mobilize your money?

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College Education

New Car Loans

New Car

Home Down Payments

Home Down Payment

Remodeling Your Home


Vacation and Traveling


Getting Married and Weddings


Proudly Serving Members and Employees of The Church of Jesus Christ
of Latter-day Saints

In the 1950s, the First Presidency of the Church realized that employees of the church offices needed access to financial services; they decided to help provide these much-needed services. On August 4th, 1955, the LDS Church Office Credit Union was founded. Gordon B. Hinckley was one of the first board members.

The first branch was established in 1974, and the membership was expanded to include any employee of The Church. After steady growth in the 80s, the credit union changed its name to Deseret First Credit Union. It expanded its membership to include all members and family members of The Church of Jesus Christ of Latter-day Saints.

We now have over 70,000 members across the nation and have been able to put our members first with our unique products and services.

Want to know more about how Deseret First could be the right fit for you and your financial needs? Want to learn more aobut how we serve our members across the nation or how we understand and respect your values and can help you align your financial needs with your values? Learn more by clicking the button below.

Learn More
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Account Requirements

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.
We work with our members toward realizing financial and spiritual potential. Pretty unique for a financial institution, right? We think so, too!
We embrace the values of members of The Church of Jesus Christ of Latter-day Saints but we also celebrate diversity of experiences and perspectives. Our shared “why” of faith creates a supportive relationship that allows you to be you, all while helping you achieve financial success.

Give your savings an energy boost!

Reach your growth potential