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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

Contact Us to Open

View Our Rates

As of 08/11/2020

CD Rates
Account Opening Deposit Minimum Balance for APY Dividend Rate APY
Direct Deposit Certificate Builder $10 $10 0.20% 0.20%
12-Month Direct Deposit Certificate $1,000 $1,000 0.75% 0.75%

APY = Annual Percentage Yield. Balances under minimum are subject to monthly service fees. 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 08/11/2020

Account

Opening Deposit

Minimum Balance for APY

Dividend Rate

APY

Big Prize Savings

$25
$25

$500
$3,000

0.10%
0.10%

0.10%
0.10%

Regular Savings

$50
$50

$500
$3,000

0.10%
0.10%

0.10%
0.10%

APY=Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period.

 
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