If you’re looking to stash a little more cash for your savings or rainy day fund, then we have two words for you: share certificates.

Also known as certificates of deposit (CDs), these versatile investment accounts can earn an above-average return with zero risk. In addition to higher dividends — which make your money grow faster — share certificates help you reach your savings goals faster by keeping those dollars conveniently out of reach.

By being forced to save, you’re far more likely to achieve your long-term financial goals (which is a game changer for those of us with bad spending habits).

Here's how it works:

Terms are between 6 and 60 months.
Generally, the longer the term, the higher the rate of return.
Your funds are locked in during your term. (You can access it in emergency situations, but you pay the steep withdrawal cost, etc.)

While no one enjoys periods of high inflation, there are opportunities in everything. These popular accounts might be the perfect tool to help boost your investment returns without added risk.

Take advantage of some of the highest rates in years with these specialized savings accounts, which offer notably higher fixed interest rates.

Connect with the United Texas Credit Union team to open a share certificate (or CD) to meet any savings goal that much faster for as little as $500.

Make smart money moves.