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
View Our Rates
As of 04/24/2024
| 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 04/24/2024
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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