Smart Savers Certificates¹

Grow your money with flexibility and confidence. Our Smart Savers Certificates¹ are designed to make saving simple while giving you the freedom to add funds along the way. Choose a 12-month or 24-month term and watch your savings grow over time.

Open with just $25. Getting started is easy. From day one, you can build your certificate balance by making unlimited additional deposits whenever it works for you. Whether you add a little each month or make larger deposits occasionally, every contribution helps your savings grow.

Flexible terms that work for you. At the end of your 12-month or 24-month term, your initial deposit and every additional contribution will mature together. This gives you the opportunity to plan ahead for goals such as building an emergency fund, saving for a vacation, or setting aside money for future purchases.

Why choose a Smart Savers Certificate?

1. Low $25 opening requirement.

2. Unlimited deposits during the term.

3. Fixed maturity so you know when your funds are available.

4. A smarter way to build consistent savings habits.

Start saving smarter today with a Smart Savers Certificate and take control of your financial future.

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Limited-Time Certificate Specials²

Grow your savings with our special promotional certificate!

11-Month Special Certificate
4.20% APY²

• New Money Only
• Minimum Deposit: $500
• Maximum Deposit: $100,000

13-Month Special Certificate

4.10% APY²

• No New Money Requirement
• Minimum Deposit: $500
• Maximum Deposit: $100,000

Whether you're bringing new funds to Health Advantage Credit Union or looking for a great option for existing savings, these limited-time certificate specials offer competitive returns and flexible choices.

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¹ Review Our Rates & Service Charges, page 2 item 7 "Certificate Account Features" for full Smart Saver Certificate disclosure.

²APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. Only one account is allowed per primary member social security number. The 11 Month Special can only be opened with new money. New money is defined as deposits not previously or currently held at Health Advantage Federal Credit Union. The 11 Month and 13 Month Special Certificates are a Promotional Certificate with $500 minimum and $100,000 max. Upon maturity, the Promotional Certificate will renew at the next lowest regular certificate term and rate. For example, a 11 Month Promotional Certificate will renew as a regular 6 Month Certificate and a 13 Month Promotional Certificate will renew as a regular 12 Month Certificate.  All rates, terms and conditions are subject to change without notice. Call the credit union for full details at 989-791-7070 ext. 3503.

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