Earn Up to 4.60% APY*
Enroll online in minutes, no branch visit needed.
A Simple Way to Grow What You've Saved
Our Certificates are a straightforward way to earn on money you're setting aside, whether that's for future expenses, retirement, or something further down the road. With our tiered rates, the more you save, the more you'll earn.
Here’s what our Certificates offer:
- Tiered rates
- Terms from three months to five years
- Minimum balance as low as $1,000
- Automatically renewable at then-current market rates
Ready to Put Your Money to Work?
Certificates up to 4.60% APY.* Open yours today, entirely online.
*APY = Annual Percentage Yield 4.60% APY offer valid on the 14 Month Certificate as of October 19, 2026. Available on new money only, not available for funds withdrawn from an existing Nutmeg savings account or an existing Nutmeg Certificate. Enrollment available online only. Offer may change without notice.
Dividends are compounded and credited monthly using the average daily balance method. Please note that there are penalties for early withdrawal and fees may reduce earnings. All rates are determined by the Nutmeg Board of Directors and are subject to change at any time. Regular share certificates require a minimum deposit of $1,000. Conditions apply. Federally insured by NCUA.