Share certificates are a good way to save and earn money over time. Certificates have a number of available options so you can choose the length of time you want to invest your money. The minimum deposit amount is $1,000, however, we have a 12-month certificate that can be purchased for $500. Another benefit that may fit your investment options is our 9-month certificate which allows for a one-time penalty-free withdrawal (not available on IRAs). When your certificate matures, it can be cashed or automatically renewed based on your investment goals.