Make Your Money Work as Hard as You Do
Feel like you're not getting the interest you deserve? With a Share Certificate from Raiz, you can earn more dividends on your deposits to help you reach your financial goals even faster.
Introducing the new Raiz Express Start Share Certificate!
At Raiz, You don’t need thousands of dollars to make your money start working for you. Start earning today with as little as $25 with a Raiz Express Start Share Certificate!
Features:
- Earn an impressive 7.00% APY¹ up to $3,000 for 12 months²
- Set up your Raiz Checking Account set up with direct deposit and as little as $25 to get started.
- Deposits as low as $10 each time you make a deposit.
Speak with one of our experts today to get a head start on your financial success.
Grow your savings and earn more!
Want a safe and secure way to earn while you save? With a short-term 3 and 6 month Jumbo Share Certificate from Raiz, you can earn BIG in a short time. Don't wait to gain!
Features:
- Minimum deposit of $100,000.
- Earn a 5.01% APY* for 3 months or 5.18% APY* for 6 months.
- Add additional deposits throughout the term.
- Auto-renewal available.
- Speak with one of our experts today to get started!
- Speak with one of our experts today to get a head start on your financial success.
Overview
You work hard for your money. Now make it work hard for you! With a Regular or Jumbo Share Certificate from Raiz, you can earn more dividends from your deposits than a standard checking account. Make the most of your savings to help you achieve your financial goals.
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Features
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Earn Dividends
Get some of the highest rates in El Paso compared to other checking and short-term savings accounts to help you make the most of your savings.
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Market-Leading Rates
On average, Raiz Share Certificates earn you more than other local financial institutions so that you can get the most for your future plans.
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Regular and Jumbo Certificates Available
Choose the certificate that best suits your goals. Raiz offers both Regular and Jumbo Share Certificates to match any financial need.
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Flexible Terms
Enjoy more flexibility from your savings with available terms between 1 and 5 years.
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And more
Rates
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Contributions: | Earnings:Earn More Dividends on Your Savings
Make the most of your money. Regular and Jumbo Share Certificates from Raiz earn higher dividends than most other local financial institutions, helping you use your savings efficiently and reach your goals faster.
Choose a Term that Best Suits Your Financial Needs
Find a savings certificate option that works for your budget. Raiz offers flexible certificate terms, ranging from 1 to 5 years to maturity. Put your money in for whatever amount of time works for you.
Why Choose Raiz?
Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.
We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.
Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.
We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.
Start your financial journey today.
Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.
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1
Open an Account
It takes only minutes to open an account online.
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2
Make Initial Deposit
Open Your Savings Certificate with as Little as a $25 Initial Deposit.
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3
Earn Dividends
Watch your savings grow with dividends compounded monthly.
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Depending on the certificate term, the minimum amount is $25.00 or $5,000.
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Depending on your selection, it may transfer to your share savings or checking account. You can also select to re-invest at the current term offered at maturity.
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The penalty will be all the interest accrued up until closing date.
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Yes, it’s a great way to take advantage of the lowest rates we have to offer with flexible terms that’ll fit your budget.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
Put Your Savings to Work for You
Don't leave your money sitting in a low- or no-interest savings account. Earn higher dividends with a Raiz savings certificate and reach your financial goals faster.
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1
² Rates apply to new and existing funds. Rates are in effect until further notice and are subject to change at any time by the Raiz Board of Directors. Twelve-month share certificate dividends are paid and compounded monthly. We may impose a penalty if you withdraw any of the principal before the maturity date of the certificate. The amount of the early withdrawal penalty is based on the term of your account.
12 month jumbo share certificate – * RATES APPLY TO NEW DEPOSITS ONLY. EXISTING FUNDS IN ACCOUNTS MAY NOT QUALIFY. RATES ARE IN EFFECT UNTIL FURTHER NOTICE AND ARE SUBJECT TO CHANGE BY THE BOARD OF DIRECTORS. TWELVE TO SIXTY MONTH SHARE CERTIFICATE DIVIDENDS ARE PAID AND COMPOUNDED MONTHLY. WE MAY IMPOSE A PENALTY IF YOU WITHDRAW ANY OF THE PRINCIPAL BEFORE THE MATURITY DATE. THE AMOUNT OF THE EARLY WITHDRAWAL PENALTY IS BASED ON THE TERM OF YOUR ACCOUNT. RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
3 and 6 month Jumbo Share certificate – *APY = Annual Percentage Yield. Must meet membership eligibility. Rates are in effect until further notice and are subject to change at any time. Rate applies to new deposits only. Share certificate dividends are paid and compounded monthly. Early withdrawal penalty fees may apply. The amount of early withdrawal penalty is based on the term of your account. Fees may reduce earnings
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More Features
Earn Dividends
Earn some of the highest rates in El Paso to help you grow your savings even faster.
Dividends Compounded and Paid Monthly
Get more than just simple interest. Certificate dividends are compounded and paid every month.
Flexible Terms
Choose a term that best suits your financial needs, anywhere between 1 and 5 years.
Add-on Deposits
Add money to your certificate anytime throughout its lifetime, with minimum add-on deposits as low as $10.
Higher Dividends for Longer Terms
Want to maximize your savings return? The longer the certificate, the higher dividend rates you’ll earn.
No Maintenance Fees
Save more of your money without needing to pay maintenance fees on any Raiz certificates.
Rollover Options
Roll your savings into a new certificate once your current certificate matures to continue earning on your savings.
Regular and Jumbo Certificates Available
Choose the savings option that best suits your financial goals with both regular and jumbo certificates available.
Market-Leading Rates
On average, Raiz’s certificates earn your more than other local financial institutions, so you can get the most for your future plans.
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