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Your questions about investment savings accounts, answered

Growing your savings, on your own terms, doesn’t have to be complicated.

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 Couple smiling and shaking hands with the banker after opening a high-rate CD

Certificate laddering allows customers to balance fixed returns with opportunities to reinvest.

Photo provided by United Texas Credit Union

Don’t let the name fool you: Share certificates are one of the simplest and safest ways to grow your savings.

We get it — financial jargon can be confusing and overwhelming, so we’re debunking a few common myths to help put your mind at ease.

  1. “I need a large amount of money to get started.” | At United Texas Credit Union, the minimum opening deposit is as low as $500.
  2. “My money won’t be fully protected.” | Accounts are insured up to $250,000, and you can open an unlimited number of accounts.
  3. “I won’t be able to access my money for a long time.” | Terms are flexible, ranging from six months to five years, so you can choose what fits your goals.
  4. “I could miss out on higher rates.” | Flexible terms and unlimited accounts allow you to stagger the maturity dates of certificates, aka certificate laddering.

Connect with a United Texas Credit Union team member to start saving.

Grow your savings

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