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Certificates

Grow Your Money

 
A secure way to grow your savings.
savings-bing-and-small
No TermStarter Certificate
A great option for beginners! Open with as little as $50 and a $25 monthly deposit. It matures when you reach $500. Start saving today!
 
 
Best Rate 3.90 % APY*
6-36 MONTHSTraditional Certificate
Supercharge your savings with terms from 6 to 36 months. Start with only a $500 minimum to open your certificate today!
 
Best Rate 4.05 % APY*
9 MONTHSGrowth Certificate
Add money to your certificate whenever you want. $500 minimum to start and a $25 monthly auto transfer is required.
 
 
Best Rate 3.85 % APY*
7 MONTHSFluid Certificate
Growth meets flexibility. Add funds anytime, and enjoy the freedom of one withdrawal per month. $10,000 minimum balance. 
 
 
Best Rate 3.85 % APY*

Elevate your earnings and make the most of your money with a certificate from Elevate. You can plan ahead with confidence because you'll know exactly how much money will be there for you when it's time to withdraw your funds. We have several options and terms to choose from. Our team of account specialists can help you choose the best certificate for your lifestyle and savings goals. Check out our rates and use our calculators below to figure out how much you can earn!

Grow Your Money

How To Open A Certificate

You are ready to put your money to work for you and you want to open a Certificate. Now what? No worries, we make it easy. You can open a Certificate by choosing one of these three options:

*The option to apply online is only available if you currently are not a member of Elevate Credit Union.

stack of money being counted by man, with a leaf growing out the money
Savings Strategy

What Is Laddering?

Laddering is a savings strategy where you invest in several certificates with staggered maturities. This helps you to take advantage of higher rates, while also having the advantage of longer-term stability.
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Certificate and Money Market Calculators

See how your savings could grow with a certificate or money market account. Enter your deposit amount, estimated rate, and time frame to compare potential earnings and explore which option may support your savings goals.  

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Starter Certificate Calculator

Estimate how a starting deposit could grow over time and see the potential value of building your savings with a Starter Certificate.  

Calculate Starter Certificate growth

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Fluid Certificate Calculator

Explore the potential growth of your savings and estimate your ending balance with a Fluid Certificate.  

Calculate Starter Certificate growth

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Growth Certificate Calculator

See how your deposit could grow over time and compare how different amounts, rates, and terms may affect your potential earnings.  

Calculate Fluid Certificate growth

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Standard Certificate Calculator

Estimate the potential earnings and ending balance of a Standard Certificate based on the deposit amount, estimated rate, and term you select.    

Calculate Standard Certificate growth

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Money Market Calculator

 Estimate how your money market balance could grow over time and see how earned dividends may help you reach your savings goals.  

Calculate Money Market growth

*Calculator results are estimates for planning purposes only and do not guarantee actual earnings. Current annual percentage yields, account requirements, and terms may vary. Review the applicable account disclosures for complete details.  

Certificate Rates
TERM MINIMUM BALANCE APY* DIVIDEND RATE
6-Month $500 3.90%
7-Month (FLUID)** $10,000 3.85%
9-Month (GROWTH CERTIFICATE)*** $500 3.85%
12-Month $500 3.90%
18-Month $500 3.90% w/bump
24-Month $500 4.05%
30-Month $500 4.00%
36-Month $500 4.00%
Starter Certificate**** $50 3.90%

 

*TERMS & CONDITIONS: APY=annual percentage yield | Rates subject to change without notice | Rates listed as of February 19, 2026 | Certificate rates are subject to early closure penalties; please see us for details.

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

***9-Month Growth Certificates must have auto-transfer set-up with at least $25 per month going into the certificate | You can make additional deposits as you want | If you withdraw funds before the maturity date, the certificate will be terminated, and an early withdrawal penalty will be assessed.

****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.

Elevate Certificates

FAQs

If you don't see your question here, text us at (435) 734.3437.

What do I need to know about a Growth Certificate? To open a 9-month Growth Certificate, you must have $25 auto-transferred into your certificate each month. There is a $500 minimum balance to start. And you can deposit more money into your certificate whenever you want, however much you want during the month.
Can I add money to my certificate anytime? Yes, with a Fluid Certificate or a Growth Certificate, you can add money to your certificate during the month at any time.
How often can I withdraw from the 7-month Fluid Certificate? How often can I make deposits? You can withdraw monthly and make unlimited deposits.
What is the minimum to open a certificate? Most of our certificates can be opened for $500, except for a Starter Certificate, which starts at just $50, and the 7-month Fluid Certificate, which starts at $10,000.
Do any of the certificates bump rates? Yes, we have this feature on our 18-month certificate.
Are there any penalties for early withdrawal on certificates? 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) 
What happens after my Starter Certificate reaches $500? It will be rolled over to a 12-month Certificate.
Do I need to make a deposit each month in my Starter Certificate? Yes, you need to commit to at least a $25 per month deposit.
How does a Fluid Certificate work? 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.
What happens if I withdraw money from a Certificate before it matures? If you withdraw the money from a Certificate before it matures, you'll never lose the principal that you have invested. There might be dividend 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.

Ask A Question

Ask Simon, our AI bot a question 24/7 by clicking the "Live Chat" button in the lower right corner, or speak with one of our Elevate Team anytime during our business hours by doing the same. Or, fill out this brief form and we will get back with you. We are here to help and answer your questions!
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Elevate has been fantastic in helping me with virtually all my money matters, from savings to loans and everything in between. Awesome, friendly staff!
ChannMember since 2012
Working with Elevate Credit Union has been nothing short of amazing!
ScottMember Since 2018
Elevate Credit Union is by far the best financial institution I've worked with. Its hours and rates of service are better and more convenient than those of its competitors. Phillip and his team are always prompt to greet you and assist you with any needs or concerns you have.
MacMember since 2005

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