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Certificates

Flexible terms; awesome rates

A secure way to grow your savings.

  • Final Balance

    Contributions:    |    Earnings:
    Initial Deposit
    $
    Interest Rate
    %
    $
    Term (Months)

    Why Elevate

    Options for everyone

    Our Certificates are built to deliver great returns, whether you invest $50 or well over $10,000.

    • Starter Certificates can be opened with just $50 and a commitment to $25 monthly deposits.
    • Traditional Share Certificates can be opened with $500 and mature at terms from 6 to 36 months.
    • Fluid Certificates are for amounts $10,000 and over and mature in 7 months. They allow one penalty-free withdrawal per month and can add funds at any time.

     

    • A secure investment
    • Stable rate of return
    • Insured through the NCUA

    Working with Elevate Credit Union has been nothing short of amazing!

    Scott, Member since 2018

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  • Certificate Rates

    TermMinimum Balance Rate APY*
    6-Month $5000.50%
    7-Month (FLUID)** $10,000 0.60%
    12-Month $500 0.60%
    18-Month $500 0.60% with bump
    24-Month $500 0.90%
    30-Month $500 0.90%
    36-Month $500 0.95%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of April 17, 2020 | Certificate rates are subject to early closure penalties, please see us for details.

    **For Fluid Certificates, you may make one withdrawal per month, as long as the minimum balance of $10,000 is maintained. You may also make additional deposits at any time.

    Starter Certificate Rate

    Type Minimum Balance Rate APY*
    Starter Certificate $50 0.60%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 1, 2020 | Certificate rates are subject to early closure penalties, please see us for details. For Starter Certificates, you may make additional deposits at any time. A minimum deposit of $25.00 per month. When your balance reaches $500.00, the funds in the account will be transferred to a 12-month certificate.

  • Frequently Asked Questions

    • You can withdraw monthly, and make unlimited deposits.
    • Most of our certificates can be opened with $500, except for a Starter Certificate, which is just $50 to open and the 7-month Fluid Certificate which is $10,000 to open.
    • Yes, we have this feature on our 18-month certificate.
    • Yes, If funds are withdrawn from the certificate before it reaches its term, some dividends will be forfeited. (6-12-month certificates lose 2 months of dividends, and 18-36-month certificates lose 6 months of dividends)
    • It will be rolled over to a 12-month Certificate.
    • Yes, you need to commit to at least a $25 per month deposit.
    • Fluid Certificates are for terms of 7 months and require a minimum opening deposit of $10,000. You can add money to the Fluid Certificate at any time. One withdrawal can be made each month without a penalty as long as the balance remains above $10,000.
    • If you withdraw the money from a Certificate before it matures, you'll never lose the principal that you have invested. There might be interest penalties for the early withdrawal. If you think you'll need to withdraw money from the Certificate, consider a Fluid Certificate. As long as your balance remains over $10,000, you can make one penalty-free withdrawal per month.
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