Save in 2025 With Share Certificates & Other High-Yield Accounts

Looking for a safe, reliable way to grow your savings in 2025? Whether you’re building an emergency fund or planning for a big purchase, OnPath Credit Union offers savings options that help you reach your goals—without the risk of market fluctuations.

What Are Share Certificates?

Share certificates function similarly to traditional bank CDs. You deposit a set amount of money for a fixed period, and in return, you earn a guaranteed interest rate. The longer the term, the higher the potential yield. Share certificates are perfect if you want your savings to grow steadily without surprises—no market ups and downs, just guaranteed returns.

Want to keep access to your savings while still earning top rates? A smart approach is laddering—opening multiple share certificates with different maturity dates.

Think of it like this: instead of locking away all your savings for years, you stagger them. That way, every few months, a portion becomes available—so you can earn more without sacrificing flexibility.

Benefits of Share Certificates

• Guaranteed Returns: Unlike stocks or mutual funds, share certificates offer a fixed rate of return, making them a stable and predictable way to grow savings.
• Higher Yields: Share certificates typically offer higher interest rates than regular savings accounts, allowing you to earn more over time.
• Flexible Terms: With options ranging from a few months to several years, you can choose a term that aligns with your financial plans.
• Member-Focused Advantages: As a credit union, OnPath CU prioritizes returning value to its members through better rates and fewer fees.

Why Share Certificates Stand Out in 2025

With interest rates constantly changing, now is a great time to lock in a strong return on your savings. Share certificates give you peace of mind—your rate stays the same, no matter what the market does.

Additional High-Yield Options

Wondering which savings option is right for you? Here’s how to decide:

• Want a guaranteed return? A share certificate locks in your rate.
• Prefer flexibility? Our High-Yield Rewards Checking lets you earn while keeping access to your funds.
• Want a high yield? Elite Money market accounts offer a high-return savings option and up to three withdrawals per month.

Tailored Financial Strategies for Members

Whether you’re saving for a specific goal, like buying a home or funding education, or simply looking to grow your emergency fund, OnPath CU’s team can help you develop a savings strategy that works for you. This member-first approach ensures that your financial plan aligns with your unique needs and goals.

How to Get Started With Share Certificates or Other Savings Tools

Opening a share certificate or high-yield account at OnPath Credit Union is simple. Start by evaluating your savings goals and determining how much you can commit to a fixed term. Use our website to explore the best options for your needs. With personalized, member-first service, OnPath CU makes it easy to save smarter in 2025.