Grow Your Money
![money-growth](https://44728797.fs1.hubspotusercontent-na1.net/hub/44728797/hubfs/money-growth.jpg?width=300&name=money-growth.jpg)
Best Rate 5.00 % APY*
Best Rate 5.00 % APY*
Best Rate 5.00 % APY*
Best Rate 5.00 % 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 calculator below to figure out how much you can earn!
*TERMS & CONDITIONS: APY=annual percentage yield | Rates subject to change without notice | Rates listed as of August 16, 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.
****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.
How Much Will You Save?
Future Savings:
$0
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:
- Visit a branch
- Call us (435) 723.3437
- Apply Online*
*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](https://44728797.fs1.hubspotusercontent-na1.net/hub/44728797/hubfs/AdobeStock_207380351-1536x1024.jpeg?width=300&name=AdobeStock_207380351-1536x1024.jpeg)
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.![ladders leading up to a bullseye at the top](https://44728797.fs1.hubspotusercontent-na1.net/hub/44728797/hubfs/ladders-bullseye-goals.jpg?width=300&name=ladders-bullseye-goals.jpg)