DCCU Routing # 251483311
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Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
If you have a Certificate that is maturing soon, now may be a good time to consider your plan for the funds. Your Certificate has been collecting interest for months or years, helping you get closer to your financial goals. Now you need to decide whether to renew, cash it out, or invest it.
Weigh your options.
Before you decide what to do with your Certificate, it helps to consider all your available options. Be mindful that DCCU Certificates renew automatically, unless otherwise instructed. DCCU will notify you in advance before the Certificate matures, but it's always a good idea to know your options beforehand. You'll have a grace period–generally one to two weeks–to act on your decision, but it helps to have a plan first.
- Renew your Certificate. This may be the simplest option – but could have different outcomes depending on the rates and terms. If you do decide to renew and the rates are favorable, you may want to take advantage of the grace period and add more funds to your Certificate.
- Withdraw and spend your Certificate funds. If your financial plans include purchasing a new car or taking a family vacation, withdrawing your Certificate funds may be worth consideration. Consider moving your Certificate funds into a checking or savings account during the grace period to access your funds more easily.
- Move your funds to a brokerage account. If you are interested in higher returns with the potential for more risk, moving your funds to a brokerage account may be the best option.
When – and why – talking to an advisor about your Certificate may be the best solution.
Certificates are considered low-risk investment products and are insured by the NCUA. The market risk with a Certificate is also typically lower, and terms usually range from three months to five years, and may be a good choice for someone looking to lock in an investment for a set amount of time, with set returns. There is a penalty for early withdrawal, however, and the amount depends on the length of the Certificate.
If your plan is to invest long-term, your best option may be to talk to an advisor and move your maturing Certificate funds into a brokerage account.
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies are suitable for all investors or will yield positive outcomes. Certificates of Deposit (CDs) are FDIC Insured to specific limits and offer a fixed rate of return if held to maturity, whereas investing in securities is subject to market risk including loss of principal.
The Standard & Poor’s 500 Index is a capitalization weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. DuPont Community Credit Union (DCCU) and Member Investment Services (MIS) are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using MIS, and may also be employees of DCCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, DCCU or MIS. Securities and insurance offered through LPL or its affiliates are:
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
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