LIMITED TIME PROMOTION

Start Small. Grow Fast.

5.50% APY* on a 12-Month Savers Certificate

Limited-time 5.50% APY on a 12-Month Savers Certificate

Most people don’t need a bigger goal. They need a clearer plan. Lock in 5.50% APY* for 12 months and build savings the smart way. Unlike traditional CDs and share certificates, the Savers Certificate lets you add money each month, turning steady deposits into real momentum.

Start with as little as $100. Keep building month after month and watch it grow. Open by April 30 to secure this incredible promotional rate.

Here's how it works:

Open a Savers Certificate by April 30

Lock in the limited-time 5.50% APY for 12 months. Get started with an opening deposit of $100 to $1,000.
Set up a Monthly Recurring Deposit

Automatically add the same amount each month between $10 and $1,000 to build your savings over time.
Earn 5.50% APY and Watch it Grow

Dividends are calculated daily and credited monthly throughout the term.

Savers Certificate FAQs

Questions? See the FAQs below for eligibility, deposit guidelines and how the Savers Certificate works.

What makes a Savers Certificate different from a traditional certificate?

Traditional certificates require a single upfront deposit. A Savers Certificate lets you start smaller and keep adding money each month, turning consistent deposits into a structured savings plan while earning a fixed rate for the full term.

How does a Savers Certificate work?

Start with as little as $100, then set up automatic monthly deposits in the same amount throughout the certificate term. Your balance earns a fixed dividend rate for the full term as your savings grow.

Who is eligible for this certificate?

Savers Certificates are available to all Frontwave Members. The Military Savers Certificate is limited to eligible active duty, reservists, retired military, veterans and their spouses, with eligibility verified at account opening.

Can I withdraw money early?

Savers Certificates are designed for the full term. Early withdrawals may result in penalties and could reduce earnings.

Join the Nationwide Movement to Save

America Saves Week (April 6–10) is a national call to commit to stronger savings habits. A 12-month Savers Certificate gives that commitment structure. We’re carrying that momentum through April. Open by April 30 to lock in 5.50% APY and turn consistent monthly deposits into measurable growth. Start today and take the first step toward a stronger financial future.

OPEN A CERTIFICATE

Important Information and Disclosures

* APY = Annual Percentage Yield. 5.50% APY is based on a 5.366% dividend rate and is effective April 1–April 30, 2026, for the 12-month Savers Certificate only. APY assumes dividends remain in the account until maturity. Early withdrawals reduce earnings. Rates may change after the promotional period ends.

Minimum opening deposit $100. Maximum opening deposit $1,000. Monthly automatic deposits must be the same amount each month and must be between $10 and $1,000 for the full 12-month term. Maximum total contribution over 12 months is $13,000. A minimum daily balance of $100 is required to earn APY.

Dividends are calculated using the daily balance method, compounded and credited monthly.

Certificate matures on the date shown on the Certificate Receipt at account opening and will not automatically renew. At maturity, funds transfer to the designated regular share account unless other instructions are provided.

Early withdrawal of principal before maturity is subject to penalty. The penalty is the greater of (a) seven days of dividends on the amount withdrawn if withdrawn within seven calendar days of account opening, or (b) 90 days of dividends on the amount withdrawn. Early withdrawal penalties may reduce earnings.

Limit one promotional 12-month Savers Certificate per eligible member. Membership eligibility and other restrictions may apply.

Funds insured up to $250,000 by the National Credit Union Administration.