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.
Maximize your savings!
Make your money work smarter not harder with a share certificate from Raiz!
Limited time offer available for new deposits only*:
Promo – Regular share certificate:
12 month term, Annual Percentage Yield1, $1,000 minimum deposit
Promo – Jumbo share certificate:
12 month term, Annual Percentage Yield1, $50,000 minimum deposit
Speak with one of our representatives today to get started on your savings journey.
Overview
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.
-
Features
-
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
Rates
See today's ratesCertificate Accounts Calculator
Final Balance
Contributions: | Earnings: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.
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.
-
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.
-
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 chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
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
² Rates apply to new and existing funds. Rates are in effect until further notice and are subject to change at any time by the Raiz Board of Directors. Twelve-month share certificate dividends are paid and compounded monthly. We may impose a penalty if you withdraw any of the principal before the maturity date of the certificate. The amount of the early withdrawal penalty is based on the term of your account.
* RATES APPLY TO NEW DEPOSITS ONLY. EXISTING FUNDS IN ACCOUNTS MAY NOT QUALIFY. RATES ARE IN EFFECT UNTIL FURTHER NOTICE AND ARE SUBJECT TO CHANGE BY THE BOARD OF DIRECTORS. TWELVE TO SIXTY MONTH SHARE CERTIFICATE DIVIDENDS ARE PAID AND COMPOUNDED MONTHLY. WE MAY IMPOSE A PENALTY IF YOU WITHDRAW ANY OF THE PRINCIPAL BEFORE THE MATURITY DATE. THE AMOUNT OF THE EARLY WITHDRAWAL PENALTY IS BASED ON THE TERM OF YOUR ACCOUNT. RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
More Features
Earn Dividends
Earn some of the highest rates in El Paso to help you grow your savings even faster.
Dividends Compounded and Paid Monthly
Get more than just simple interest. Certificate dividends are compounded and paid every month.
Flexible Terms
Choose a term that best suits your financial needs, anywhere between 1 and 5 years.
Add-on Deposits
Add money to your certificate anytime throughout its lifetime, with minimum add-on deposits as low as $10.
Higher Dividends for Longer Terms
Want to maximize your savings return? The longer the certificate, the higher dividend rates you’ll earn.
No Maintenance Fees
Save more of your money without needing to pay maintenance fees on any Raiz certificates.
Rollover Options
Roll your savings into a new certificate once your current certificate matures to continue earning on your savings.
Regular and Jumbo Certificates Available
Choose the savings option that best suits your financial goals with both regular and jumbo certificates available.
Market-Leading Rates
On average, Raiz’s certificates earn your more than other local financial institutions, so you can get the most for your future plans.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Leaving Our Website
Raiz is not responsible for the content of other sites. Your use of other sites is not subject to the Raiz privacy policy, but may be subject to the privacy policy of the other site.