Grow your savings with confidence.

Whether you’re saving for a home, building an emergency fund, or planning for retirement, a Teachers Certificate can help you reach your goals. With competitive rates, flexible terms, and guaranteed returns, a Teachers Certificate can help you maximize your savings in a secure and reliable way. Open a Certificate account today and start earning.

Certificate Account Benefits

Earn More

Higher yields than standard savings accounts

Guaranteed Returns

Fixed rate of return for dependable growth

Flexible Terms

Choose terms ranging from 3 months to 60 months

Safe & Secure

Federally insured by the NCUA

Open Account

How to Open a Share Certificate Account

Select

Select the Certificate rate and term that works best for you.

Prepare

Have your driver's license or government-issued ID and your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) ready.i

Open

Complete the application with your personal information.

Fund

Fund your new account using a transfer from an existing Teachers account or a direct transfer from another bank or credit union.

Open Account

Smart Tools for Better Banking

Enjoy secure 24/7 access to your account with Teachers Online and Mobile Banking.

  • View balances, monitor transactions, deposit checks, or transfer funds, and set up alerts or pay bills when linked to a Teachers checking account
  • Make fast, secure payments when you add your Teachers debit card to a Digital Wallet
  • Connect with our support team through online chat

Ready to get started? Meet with a Teachers financial expert.

More From Teachers

Smart Checking

Earn 2.50% APY* with a Teachers high-yield checking account. Choose one of three easy ways to qualify.

Learn More

Money Market

An investment option to help you reach your savings goals with tiered interest rates and no minimum deposit.

Learn More

Disclosures

*APY=Annual Percentage Yield.

APY is accurate as of 04/16/2026 and may be subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. $1,000 minimum balance to earn APY and to open account. Fees may reduce earnings. Certificates automatically renew at maturity for the same term as the original term. Rates are tailored to your region and determined by your account’s primary address and ZIP code.

Membership at Teachers is required by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.