Nearly a quarter of Americans have no emergency savings — true or false?

This is true, and whether you’re starting from scratch or looking to boost existing savings, share certificates offer an approachable and low-risk way to meet your savings goals.

Share certificates, also known as certificates of deposit (CDs), are versatile investment accounts that earn higher dividends than traditional savings accounts. The best part? Access to your money is limited as it matures, discouraging impulsive withdrawals and helping you build better saving habits.

More benefits include:

Flexible terms ranging from six to 60 months
Unlimited number of accounts (privately insured up to $250,000)
A minimum deposit requirement of just $500

Pro tip: Maximize returns through “laddering” or staggering the maturity dates of multiple accounts to maintain access to funds while taking advantage of potentially higher rates in the future.

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

Emergency savings start here.