Certificates offer you a safe way to set money aside and earn higher rates than regular savings accounts. They're available for 90 days, 6 months, 9 months, 1 year, 2 years and 4 years. Promotional terms and offers are sometimes available. Minimum deposits to open start at just $500.  Members of our Mates Kid's Club and eXtreme Fundz Teen Money Club can open certificates with just $250. Higher rates are available for most terms with deposits of $10,000 or more. Please link to our Rates page for rate information.