Certificates
Earn more with a secure savings option and a fixed term.
A certificate account lets you earn a fixed dividend rate by setting money aside for a specific term. Benton County Schools Credit Union offers certificate options that help members grow their savings safely while planning for future goals.
Certificate Accounts
Make your savings work harder.
If you have money set aside that you do not need immediate access to, a Certificate can help you earn more while keeping your funds safe and secure.
Certificates are often a good fit for members saving for:
Future purchases
Emergency funds
Education expenses
Travel
Home projects
Long-term financial goals
With a Certificate, you choose a term, deposit your funds, and earn dividends throughout the term.
Why Choose a Certificate?
A Certificate may be a good option if you want a predictable way to grow your savings.
Benefits include:
Higher earning potential than regular savings
Fixed term options
Safe and secure savings
Dividends paid on your balance
Local service from BCSCU
A simple way to plan ahead
How Certificates Work
When you open a Certificate, your money stays deposited for a selected term. In return, you earn a dividend rate based on the Certificate term and balance.
At the end of the term, your Certificate reaches maturity. You can then decide whether to renew it, withdraw the funds, or move the money into another account.
Early withdrawal penalties may apply.
Certificate Investment Options
BCSCU offers Certificate Investment options for members who want to earn more on their savings while choosing a term that fits their needs.
You can also choose Certificate Investment options for certain IRA accounts.
A Regular Share account is required.
Ready to Start Saving?
A Certificate can help you make the most of money you already have set aside. Contact Benton County Schools Credit Union to compare certificate options, review current rates, and choose a term that works for your goals.