Money Builder Certificates

Start small, think big.

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.

Short-Term Reach your savings target faster than most certificates thanks to an accelerated 18-month timeframe.
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.
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.

Other Features

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!

Guaranteed Returns

Enjoy steady earnings for reliable financial growth and total peace of mind.

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!

More Details

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 a Money Builder Certificate

Money Builder Certificate Resources

Overview

Apply & Save in 1-2-3

1 Request to Open Fill out the request form at the top of this page or request in Online Banking.
2 Add Funds Start with a minimum of $25 and make unlimited deposits over the term.
3 Start Saving! Set up manual or automatic deposits and watch your money grow!

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Real Words, Real People from the PNW

Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.

Jordan M.

Add-On Certificates FAQs

What is the difference between a share certificate and a certificate of deposit (CD)?

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.

Do certificates pay more dividends than traditional savings accounts?

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.

How do certificates differ from traditional savings accounts?

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.

Can I withdraw money early from my Money Builder Certificate without penalties?

If you withdraw funds before maturity, you’ll pay no fee but you’ll forfeit the dividends you would have earned.

Why should I consider opening a Money Builder Add-On Certificate?

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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*Annual Percentage Yield (APY) effective and subject to change.

Also see Terms For Accounts.