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Certificate Builder Account

Save at a Higher Rate

The Direct Deposit Certificate Builder is an investment account that allows you to start saving money with a higher variable rate than a regular savings towards a fixed-rate certificate with as little as $10 a week. Transfer from your savings account to your Certificate Builder account until it reaches $1,000. Once it reaches $1,000, your funds are transferred into a 12-month certificate with even higher dividends!

  • Start with just $10
  • No monthly service charge
  • When the balance reaches $1,000, your funds will automatically transfer to the Direct Deposit (12-month fixed rate) Certificate
  • Maximize earnings with a great rate while building up to $1,000
  • Excellent way to learn how to save
  • Low risk

 

Ready to get started? Open your new account in just 3 minutes or less. It's quick, easy, and secure—start now!
Start Now

Already an Existing Member?

Follow the link above, then select the Log In option next to
"Already Have an Account?" located in the upper right-hand corner.

 

View Our Rates

As of 11/21/2024

CD Rates
Account Opening Deposit Minimum Balance for APY Dividend Rate APY
Direct Deposit Certificate Builder $10 $10 0.15% 0.15%
12-Month Certificate $1,000 $1,000 0.90% 0.90%

APY = Annual Percentage Yield. Balances under minimum are subject to monthly service fees. The rate may change after the account is opened and is accurate as of the last dividend declaration period. Refer to Schedule of Fees & Services for details. $10 early withdrawal penalty, partial withdrawals are available. Dividends must remain in the account.

 

Compare Other Savings Rates

As of 11/21/2024

Account

Opening Deposit

Minimum Balance for APY

Dividend Rate

APY

Big Prize Savings

$25
 

$500
$3,000

0.05%
0.05%

0.05%
0.05%

Regular Savings

$50
 

$500*
$3,000

0.05%
0.05%

0.05%
0.05%

APY=Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. *Balances under $500 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.

 
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