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Share Certificates

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.

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Grow Your Savings!

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.

Features

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.

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.

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.

Flexible Terms

Enjoy more flexibility from your savings with available terms between 1 and 5 years.

And more

Regular Share Certificate

Starting at APY1

Jumbo Share Certificate

Starting at APY1

Certificate Accounts Calculator

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Rate
%
$
Term (months)
Earn Dividends

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.

Flexible Terms

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.

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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.

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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.

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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.
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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.

How It Works

Open a savings certificate in three easy steps.

  • 1

    Open an Account

    It takes only minutes to open an account online.

  • 2

    Make Initial Deposit

    Open Your Savings Certificate with as Little as a $25 Initial Deposit.

  • 3

    Earn Dividends

    Watch your savings grow with dividends compounded monthly.

Schedule an appointment

Top Share Certificate Accounts Questions

  • Depending on the certificate term, the minimum amount is $25.00 or $5,000.

  • 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.

  • The penalty will be all the interest accrued up until closing date.

  • 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 chat

Chat live with a team member who can quickly help answer your question.

Call us

1-877-378-3281

Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Certificate Accounts

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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    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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