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Certificates

Grow Your Money

A secure way to grow your savings.

  • money and leaves growing
    •   NO TERM  

      Starter Certificate

      A great way to begin saving! Open one with as little as $50 and a commitment to a $25 monthly deposit. Matures when you reach $500. Start saving today!

      Best Rate 5.25 % APY*
    •   6 to 36 MONTHS  

      Traditional Certificates

      Supercharge your savings with terms from 6 to 36 months. Start with only a $500 minimum to open your certificate today!

      Best Rate 5.25 % APY*
    •   9 MONTHS  

      Growth Certificate

      NEW OPTION! Add money to your certificate whenever you want. $500 minimum to start and $25 monthly auto transfer required.

      Best Rate 5.00 % APY*
    •   7 MONTHS  

      Fluid Certificates

      Growth meets flexibility. Add funds anytime, and enjoy the freedom of one withdrawal per month. $10,000 minimum balance.

      Best Rate 5.00 % APY*

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

    Scott, Member since 2018

    Final Balance

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

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  • Certificate Rates

    TermMinimum Balance Dividend Rate APY*
    6-Month $5005.15%
    7-Month (FLUID)** $10,000 5.00%
    NEW 9-Month Growth Certificate***$5005.00%
    12-Month $500 5.25%
    18-Month $500 4.50% with bump
    24-Month $500 4.25%
    30-Month $500 4.00%
    36-Month $500 4.00%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 18, 2024 | 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.

    Starter Certificate Rate

    Type Minimum Balance Dividend Rate APY*
    Starter Certificate $50 5.25%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 18, 2024 | 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

    • 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.
    • Yes, with a Fluid Certificate or a Growth Certificate, you can add money to your certificate during the month at any time.
    • 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 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.
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