Certificates


Certificates allow you to earn higher dividends at a guaranteed fixed rate. Enjoy this low-risk investment option while watching your savings grow – it’s that simple! 

With a Certificate at Southwest Financial, you’ll enjoy:

  • Minimum opening deposit of $500

  • Terms to fit your savings goals, from 12 to 36 months

  • Tiered dividend is paid monthly (longer term = better rate = more money)

  • Reinvest your dividends in your certificate or transfer it to another Southwest Financial account

  • View your Certificate balance online or through our mobile app

  • Automatic renewal, with a grace period of 10 calendar days after maturity to withdraw

  • Funds insured by the NCUA up to $250,000

  • Southwest Financial provides excess share insurance through ESI for an additional $250,000 

As with other investment accounts, a penalty is assessed for early withdrawals and could reduce your earnings.