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Save for the Long Term

So, you’ve had a regular savings account for years, and you’ve been pretty good about adding to it and not making withdrawals. But now you want to see your savings grow even more!

By making a commitment to yourself to leave your savings in place for over a year, you could earn 1% or more on your savings! How, you might ask? With a share certificate!

Share certificates (also known as certificates of deposit at banks) are a long-term savings tool. By agreeing to keep your money with a credit union or bank for a pre-determined length of time, you can earn higher returns than with a standard savings account.

Often times, share certificates can be opened with as little as $500, making them the perfect way to kick start your savings journey. If you’ve got a little more saved up and have the flexibility to put your money in a multi-year share certificate, a variable rate share certificate can help you increase your earnings.

You can find current certificate rates at NerdWallet, and then check out Xceed’s current share certificate options.

So, what are you waiting for? Get started saving today!


*APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 15 month certificate, including dividends will automatically renew into a 12 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

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