Smart Savers Certificates¹

Grow your money with flexibility and confidence. Our Smart Savers Certificates¹ are designed to make saving simple while giving you the freedom to add funds along the way. Choose a 12-month or 24-month term and watch your savings grow over time.

Open with just $25. Getting started is easy. From day one, you can build your certificate balance by making unlimited additional deposits whenever it works for you. Whether you add a little each month or make larger deposits occasionally, every contribution helps your savings grow.

Flexible terms that work for you. At the end of your 12-month or 24-month term, your initial deposit and every additional contribution will mature together. This gives you the opportunity to plan ahead for goals such as building an emergency fund, saving for a vacation, or setting aside money for future purchases.

Why choose a Smart Savers Certificate?

1. Low $25 opening requirement.

2. Unlimited deposits during the term.

3. Fixed maturity so you know when your funds are available.

4. A smarter way to build consistent savings habits.

Start saving smarter today with a Smart Savers Certificate and take control of your financial future.

View Rates

¹ Review Our Rates & Service Charges, page 2 item 7 "Certificate Account Features" for full Smart Saver Certificate disclosure.

²APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. Only one account is allowed per primary member social security number. All rates, terms and conditions are subject to change without notice. Call the credit union for full details at 989-791-7070 ext. 3503.

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