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.

“I need a large amount of money to get started.” | At United Texas Credit Union, the minimum opening deposit is as low as $500.
“My money won’t be fully protected.” | Accounts are insured up to $250,000, and you can open an unlimited number of accounts.
“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.
“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.†