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Share Certificate

Make Your Money Work as Hard as You Do

Feel like you're not getting the dividend rate you deserve? With a Share Certificate from Raiz, you can earn more dividends on your deposits to help you reach your financial goals even faster.



You work hard for your money. Now make it work hard for you! With a Regular or Jumbo Share Certificate from Raiz, you can earn more dividends from your deposits than a standard checking account. Make the most of your savings to help you achieve your financial goals.


Earn Dividends

Get some of the highest rates in El Paso compared to other checking and short-term savings accounts to help you make the most of your savings.

Market-Leading Rates

On average, Raiz Share Certificates earn you more than other local financial institutions so that you can get the most for your future plans.

Regular and Jumbo Certificates Available

Choose the certificate that best suits your goals. Raiz offers both Regular and Jumbo Share Certificates to match any financial need.

Flexible Terms

Enjoy more flexibility from your savings with available terms between 1 and 5 years.

And more

Regular Share Certificate

Starting at APY1

Jumbo Share Certificate

Starting at APY1

Certificate Accounts Calculator

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
Term (months)
Earn Dividends

Earn More Dividends on Your Savings

Make the most of your money. Regular and Jumbo Share Certificates from Raiz earn higher dividends than most other local financial institutions, helping you use your savings efficiently and reach your goals faster.

Flexible Terms

Choose a Term that Best Suits Your Financial Needs

Find a savings certificate option that works for your budget. Raiz offers flexible certificate terms, ranging from 1 to 5 years to maturity. Put your money in for whatever amount of time works for you.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Open a savings certificate in three easy steps.

  • 1

    Open an Account

    It takes only minutes to open an account online.

  • 2

    Make Initial Deposit

    Open Your Savings Certificate with as Little as a $25 Initial Deposit.

  • 3

    Earn Dividends

    Watch your savings grow with dividends compounded monthly.

Schedule an appointment

Top Share Certificate Accounts Questions

  • Depending on the certificate term, the minimum amount is $25.00 or $5,000.

  • Depending on your selection, it may transfer to your share savings or checking account. You can also select to re-invest at the current term offered at maturity.

  • Yes, it’s a great way to take advantage of the lowest rates we have to offer with flexible terms that’ll fit your budget.

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Certificate Accounts

Put Your Savings to Work for You

Don't leave your money sitting in a low- or no-dividend savings account. Earn higher dividends with a Raiz savings certificate and reach your financial goals faster.

  • 1

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