News & Updates

December is a time of generosity, celebration, and planning for the future. Evergreen Credit Union is here to make this season brighter with a unique savings opportunity: the 12-Month Saver Certificate.

What is a Share Certificate?

A share certificate, like a CD, is a higher-yield savings option that grows your money over time. Unlike standard savings accounts, funds in a share certificate can’t be withdrawn during the term without a penalty, which encourages discipline and planning.

What is a 12-Month Saver Certificate?

Think of it like a Certificate of Deposit (CD) but with incredible flexibility! You can start with just $25, and you can add funds at any time during the 12-month term. When the term ends, you can choose to cash out your savings or reinvest for another 12 months.

Why Choose the 12-Month Saver Certificate?

This account is designed to help you save while meeting your financial goals. Whether you’re saving for next year’s holiday shopping or gifting the joy of financial literacy to your family, this flexible savings option is a thoughtful and practical choice.

Key Features:

• Affordable Start: Open your Saver Certificate with as little as $25.
• Grow on Your Schedule: Deposit any amount at any time during the term.
• Automatic Renewal: The certificate renews every 12 months, making it a hassle-free way to keep saving.
• Convenience: Set up recurring transfers from your checking account to make saving automatic.
• Penalty for Early Withdrawals: While withdrawals before the term ends are subject to a penalty, this ensures you stay committed to your savings goals.

Why Gifting a Saver Certificate is Special

A 12-Month Saver Certificate isn’t just a financial tool—it’s a meaningful gift. When you give the gift of savings, you’re encouraging loved ones to develop healthy financial habits. This is especially impactful for kids and young adults, helping them understand the importance of saving and delayed gratification.

This December, spread joy and financial savvy by opening a 12-Month Saver Certificate for yourself or someone you care about. Whether you're saving for future expenses or teaching your children and grandchildren about the value of saving, Evergreen Credit Union is here to help make your goals a reality.

Visit your local Evergreen Credit Union branch or learn more online to start saving and gifting today!

¹Membership eligibility required. Certain conditions apply.
²Early withdrawals are subject to penalties. Rates subject to change.

Help us share these helpful tips with friends and family! Share this post on Facebook, Instagram, X (formerly known as Twitter), and LinkedIn and tag Evergreen Credit Union.