Personal Savings

Certificates

Add Stability to Your Investment Portfolio with This Risk-Free Savings Solution

Investing in stocks can be an easy way to build wealth — or go broke. But a share certificate lets you earn big returns, without risking your family’s finances. 

Earn fixed rates, higher than regular savings — the longer your term, the better your rate. Raise your rate even higher with Step-Up Certificates or increase your principal with Rippling Waves Certificates. Best of all, there are no setup or maintenance fees holding you back.

Summary
  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty2
  • Renews automatically upon maturity after 10-calendar-day grace period
  • $500 minimum deposit to open ($100 minimum for 3-month certificates only)
Step-Up Certificates
  • One-time rate increase
  • Available on 5-year terms only
  • Length of term cannot be altered from original terms
Rippling Waves Certificates
  • Enjoy extra flexibility and the security of a fixed rate
  • Make additional deposits3 before certificate matures
  • Earn higher payouts
  • Dividends may be withdrawn at anytime without incurring penalty (180 days of dividends)
  • Available for 18-month terms only

1Penalties may vary depending on the rate of certificate and time of withdrawal.

2Additional deposits must be a minimum of $500.