Overview
Accelerate the growth of your savings with our Money Builder Certificate. We designed this short-term add-on certificate to offer higher dividends than many savings accounts while allowing you to add deposits for increased flexibility and continued investment growth. Open one today and start the journey toward achieving your savings goals.
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FEATURES AND BENEFITS OF add-on CERTIFICATES
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Get Started with $25
You don't need to make a large deposit to open a Money Builder! Start small and grow your nest egg over time.
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Unlimited Deposits
Unlike other certificates, you can deposit more money into your certificate throughout its lifetime. Set up $25 or more recurring transfers in Online Banking and watch your balance grow!
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Easy to Open
In Desktop, click the Apply & Add tab and select Add Account. In Mobile, tap More, choose Apply & Add, and select Add Account. Choose the Money Builder Certificate and follow the prompts!
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Guaranteed Returns
Enjoy steady earnings for reliable financial growth and total peace of mind.
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Short-Term
Reach your savings target faster than most certificates thanks to an accelerated 18-month timeframe.
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AVAILABLE FOR YOUNGER MEMBERS
Nobody's too young to start saving! Cash Club and Student Savings members can open a Money Builder to give them a boost for their future.
MORE DETAILS ABOUT OUR MONEY BUILDER CERTIFICATE
Our Money Builder Certificate allows you to start growing your nest egg with just $25! And unlike other types of certificates, Money Builders offer a unique add-on ability: you can make unlimited additional deposits (at least $25 each) over the certificate’s lifetime. Setting a little aside each month can really add up!
You’ll also earn compounding dividends on your balance throughout the 18 month term. The money you earn gets added back to the principal balance every month.
Open your Money Builder Certificate in Online Banking by clicking the “Apply and Add” tab and selecting “Add Account.”
In the mobile app, tap “More,” choose “Apply & Add,” and select “Add Account.” Select the Money Builder Certificate and follow the prompts!
How Much Could You Save?
We have a variety of financial calculators to help you explore your saving potential!
Rates
View all Rates-
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ONLINE OR IN-PERSON
Click the button below to open a certificate online or visit one of our locations.
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2
ADD FUNDS
Start with a minimum of $25 and make unlimited deposits over the term.
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3
START SAVING!
Set up manual or automatic deposits and watch your money grow!
Amazing staff, exceptional customer service, and a wonderful atmosphere. That’s why I love banking at Fibre Federal Credit Union. Shout out to the Rainier, Oregon branch.
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Our Money Builder Add-On Certificate is unique because it has a low opening balance of $25 and it allows you to make unlimited additional $25+ deposits after opening. These features can help you grow your balance over time through compound dividends.
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If you withdraw funds before maturity, you’ll pay no fee but you’ll forfeit the dividends you would have earned.
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Certificates and regular savings accounts differ in several ways. Certificates lock up your money for a set time, but they guarantee a fixed rate for dividends over the full term. Regular savings accounts have no term limit, and dividend rates can vary.
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Certificates often pay much higher dividends than regular savings accounts, which can help your balance increase faster over time. This is because a certificate earns dividends at guaranteed rates and the balance can build through compounding. Check our deposit account rates to learn more.
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A credit union share certificate (certificate) and a bank certificate of deposit (CD) both represent time deposits with fixed terms and dividend rates, but the key distinction lies in their institutional affiliation. A credit union share certificate is offered by a credit union where the member-owner earns a dividend on their investment, while a bank CD is provided by a traditional bank for their customers.
Start Your Nest Egg with Just $25
Begin your saving journey with a Money Builder Certificate.
MORE WAYS TO SAVE
OTHER CERTIFICATES
Put your money to work with a certificate that pays out more the longer you commit.
MONEY MARKET ACCOUNTS
Earn rapidly rising returns as your balance climbs—no strings attached.
SAVINGS ACCOUNTS
Grow your money simply and reliably with a savings account designed to suit every financial stage.
All Rates
| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded/Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$25 |
$25 |
$25 |
Daily |
Monthly |
3.52% |
3.58% |
Rate is effective December 13, 2024 and is subject to change.
Also see terms for accounts.
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