Certificates provide a stable savings option with a fixed rate of return.
Certificates offer fixed rates of return, which are typically higher than those of our Primary Savings accounts.
- Guaranteed returns locked in for 3 months up to 5 years4
- Available for individuals, trusts, and Traditional and Roth IRAs5
- Open with as little as $5006
If you access your funds before maturity, you will incur an early withdrawal penalty that could range from 3 months to 12 months of dividends depending on the length of the Certificate. You can also borrow against the Certificate using a Secured Loan. To learn more, visit our Secured Loans page.