Flexible options that earn more
for you


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Today's Certificate Rates
All rates shown are Annual Percentage Yield (APY).*

Available for a limited time only

Certificate Special Product Card

Certificate Special Product Card

At 4.65% APY, guaranteed returns never felt so good

Take advantage of this limited-time offer by February 18.

It’s time to earn more with Ent’s certificate special. Open a 13-month certificate with as little as a $500 deposit between now and February 18 to take advantage of this special 4.65% APY.

With an uncertain market ahead, our certificates enable you to grow your money safely with a guaranteed return.

And at a rate like this, your future self will thank you.

Open a certificate today

Grow your savings steadily — and securely

Get a consistent return that safely grows your money without having to worry about the uncertainty of today’s market. Enjoy flexible terms and options that put you in control of how long — and how much — you save. Certificates let you focus on what’s important today, while they earn you money for tomorrow.

Choose the certificate option that works for you

Standard Certificate

APY between: 1.34% - 3.38%
Minimum deposit as low as: $500
Terms: 3 months to 60 months, or 84 months


  • Choose short-term or long-term investment time frames
  • Also available as a Traditional, Roth or Educational Savings Certificate

Requirements: No additional deposits after original funding

Priority Certificate

APY between: 3.51% - 4.25%1
Minimum deposit as low as: $5,000
Terms: 24 months and 36 months


  • One-time rate increase2
  • One-time, no-penalty withdrawal of up to 50%3
  • One-time minimum $1,000 add-on within the first 12 months4

Requirements: Longer time frame for investing, larger dollar amount to open


Open a certificate today

See all rates

Want a certificate with a lower opening deposit? Check out our My Savings Builder® Certificate option.

Look ahead and know your future earnings

Get a preview of the interest your certificates will earn. The “Annual Percentage Yield” (APY) will be the annual rate of return after factoring in your compounding interest.

Results from this calculator are hypothetical and are for illustrative purposes only. Calculators should be used as a self-help tool only and do not consider the impact of fees that may apply. Results may not be applicable to your individual situation and do not constitute an offer. We encourage you to seek advice and guidance from a qualified professional regarding all personal finance issues. Actual terms may differ.

The calculator utilizes an average of 30.42 days per month in its calculation.

Open a certificate your way

Visit a local Service Center

Stop by a Service Center and one of our Member Service Representatives will happily assist you.

Open in person

Apply online, from anywhere

Just click below and follow the steps online.

Open online

Give us a call

Call 800-525-9623 and a Member Service Representative will help you get started.

Open by phone

Open by phone

Common Questions

A certificate is an account that allows you to store your money for a set number of months and earn dividends on that cash. Generally, the longer you keep the money in your account (i.e. the longer the term), the higher rate you can earn. You will usually not be able to access the money in this account before the end of the term. At maturity, your certificate will automatically renew for the same term length you chose originally.

A certificate has matured when it reaches the end of its term. At maturity, you can remove your funds from the account and access all the dividends you earned. Just make sure you notify us before maturity, so your money doesn’t automatically renew.

The rate for a regular certificate will remain the same through the entire term. If rates go up or down during that time, your account will not be affected. If you select a priority certificate you will gain several advantages. First, you can use a one-time rate bump1 when rates increase in the middle of your term. Second, you have the option to add funds one-time during the first year of the term2. Finally, you can even withdraw money one time of up to 50% of the balance before the term has ended.

If you put at least the minimum deposit into the account and do not touch your funds for the length of the term, you won’t have to worry about penalties or fees. A penalty is imposed if funds are withdrawn before the maturity date. See full details in Ent’s Certificate Disclosure under Important Account Information.

* APY - Annual Percentage Yield

1 Annual Percentage Yield (APY) Visit Ent.com/Rates for current rate information. Certificate Special Rate accurate as of 01/17/23 and subject to availability. $500 minimum deposit is required for Standard Certificates and Certificate Special.  $5,000 minimum deposit is required for Priority Certificates. A penalty may apply for early certificate withdrawal. Penalties could reduce your earnings. Certificates automatically renew at the current non-promotional rate upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves.

2 Allows a member to change the dividend rate once during the term to the current Priority Certificate Rate.

3 Allows the member a one-time withdrawal of up to 50% of the current balance during the term without an early withdrawal penalty.

4 Allows the member to add to the certificate once within the first year with an additional minimum deposit of $1,000.

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