Grow Financial Federal Credit Union

Certificate & IRA Certificate Accounts

Your Future Starts Now

You’ve got a lot of options when it comes to savings accounts. If you’re looking to maximize your returns and have some time to spare, a Certificate Account is the way to go. You can lock in competitive rates on balances starting at just $500, then let time do its thing as dividends compound throughout your selected term. That’s more bang for your buck and a great way to save money.

It All Starts Here

The first step is opening a Basic Savings Account, instantly making you a Grow member. From there, you have complete access to all the benefits of membership in a credit union, including opening other high-dividend savings accounts best suited to your financial goals.

Why Choose a Certificate Account?

Ready to set up your five-year plan? Is retirement right around the corner? Our Certificate Accounts help you securely and steadily maximize your savings over time.

View Our Rates

stacked coins icon

High dividends

Better returns


Insured by NCUA

Choose the Right Account for You

Certificate Account

If you have any amount over $500 that doesn’t fit under your mattress anymore, you can open a Certificate Account. You choose how long to invest, from six months to five years, and your money grows steadily as dividends compound throughout the term.

IRA Certificate Account

Whether your retirement is a way down the road or right around the corner, our IRA Certificate Account offers our most attractive rates. With balances of $500 or more, you get the best of everything; the security of a Certificate Account plus potential tax advantages that could really make your savings grow faster.

Setting You Up for Success

See how much you can save over your desired period of time.

Certificate AccountDividend Rate $500 - $99,999.99Annual Percentage Yield (APY) $500 - $99,999.99Dividend Rate $100,000+Annual Percentage Yield (APY) $100,000+
6 - 11 months4.00%4.07%14.10%4.18%1
12 - 17 months4.90%5.01%15.00%5.12%1
18 - 23 months4.50%4.59%14.60%4.70%1
24 - 29 months4.50%4.59%14.60%4.70%1
30 - 35 months3.85%3.92%13.95%4.02%1
36 - 47 months3.95%4.02%14.05%4.13%1
48 - 59 months3.95%4.02%14.05%4.13%1
60 months4.00%4.07%14.10%4.18%1
Dividend Rate $500 - $99,999.994.00%
Annual Percentage Yield (APY) $500 - $99,999.994.07%1
Dividend Rate $100,000+4.10%
Annual Percentage Yield (APY) $100,000+4.18%1

Get the Most Out of Your Savings

Our dedicated Grow team members have crafted this guide to help you understand and maximize your savings options.

See All Blogs
January 12, 2023

Save More with a Certificate Account

Rates are rising, and that means there’s no better time than the present to maximize your extra savings.

Learn More
January 9, 2020

Exploring One of Grow’s Most Popular Savings Options

Among numerous options to grow your savings, Certificate Accounts stand out as reliable, safe investments with solid returns.

Learn More
December 15, 2022

Looking for a Safe Investment? Try the Certificate Laddering Strategy.

A Grow Certificate Account is a safe investment to earn a sure return. Basically, all you do is set some money aside for a while and watch it grow.

Learn More

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Accounts are subject to approval.

1The APYs are accurate as of 11/01/2023 and may change without notice. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed. Certain restrictions apply on IRAs. Not all taxpayers are eligible. Consult your tax advisor. View additional certificate account disclosures.