EZ-Saver CD
Want to grow your savings without locking in a big deposit? The EZ-Saver CD is Advia's flexible, low-minimum CD account — an add-on certificate of deposit that lets you start with just $50 and add money anytime during the term. It's a simple way to earn a guaranteed return from a credit union you can trust while you keep building your savings.
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Earn a guaranteed return on your savings with an EZ-Saver CD.
What is an EZ-Saver CD?
An EZ-Saver CD is Advia's version of an add-on CD — sometimes called a share certificate or savings certificate at credit unions. Unlike a traditional CD that locks in a single deposit, an EZ-Saver CD lets you add money throughout the term while earning a guaranteed, fixed rate. It's built for savers who want flexibility without giving up the safety and predictability of a certificate of deposit.
- Just $50 minimum deposit to open
- 6, 12, or 24-month terms
- Unlimited deposits throughout the term
- Interest paid monthly
- Federally insured by NCUA up to $250,000 per depositor
- Competitive interest rates
Why open an EZ-Saver CD?
Saving money is one of those things that sounds simple but rarely feels easy. The EZ-Saver CD takes the pressure off. Start small, add to it whenever you can, and watch your savings grow at a guaranteed rate — no market surprises and no lockouts, just more money for staying committed to your goal.
- Start small and dream big, just $50 gets you going
- Grow it on your terms adding money whenever it fits your budget
- See your progress every month as interest hits your account
- Pick a timeline that fits your life, from 6 months to 24
- Your rate is locked in and your money is insured
- Perfect for first-time savers who want an easy way into CDs
Compare EZ-Saver CD rates across terms.
Different terms come with different rates. Here's a quick look at how our EZ-Saver CD interest and APY compare across the 6-, 12-, and 24-month terms so you can pick the one that fits your savings goal.
Annual Percentage Yield (APY) is accurate as of 06/16/2026.
| Account Type | Dividend Rate (interest) | Base APY* |
|---|---|---|
| EZ Saver CD 24-Month | 1.884% | 1.90% |
| EZ Saver CD 12-Month | 1.638% | 1.65% |
| EZ Saver CD 6-Month | 1.391% | 1.40% |
How an EZ-Saver CD works.
A few simple steps to start growing your savings.
Open online in Digital Banking, visit your local branch, or give us a call
Choose your term — 6, 12, or 24 months
Make your opening deposit of just $50
Add money whenever you want throughout the term and watch your savings grow
Estimate your savings growth with an EZ-Saver CD.
Ready to start growing your savings with an EZ-Saver CD?
Open an EZ-Saver CD at Advia today — just $50 gets you started, and you can add more whenever you want.
Frequently Asked Questions
The EZ-Saver CD is a great fit if you want to start saving with a small deposit, if you're building your savings over time and want to add money throughout the term, or if you're new to CDs and want a lower-risk way to earn a guaranteed return.
An EZ-Saver CD is Advia's add-on certificate of deposit that lets you open with just $50 and add money anytime during the term. It's also known as a share certificate at credit unions. You earn a guaranteed, fixed rate while keeping the flexibility to keep saving.
Yes — that's what makes it "EZ." Unlike a traditional CD where you're locked into your opening deposit, an EZ-Saver CD lets you add money as often as you want throughout the term. It's built for savers who want to keep growing their balance.
Both give you a guaranteed, fixed rate. The main difference is flexibility. A Regular CD requires a $500 minimum and locks in your opening deposit — you can't add to it. An EZ-Saver CD opens with just $50 and lets you add money anytime during the term. It's ideal for savers who want to build up their balance over time.
Yes — and we mean that. Your money is federally insured by the NCUA up to $250,000 per depositor. That's the credit union version of FDIC insurance, so both your deposit and the interest you earn are protected.
Interest is paid monthly. You'll see it added to your CD balance each month, so your savings grow steadily throughout the term.
Still have questions about opening an EZ-Saver CD?
We're here to help. Chat with Ava, call 844.238.4228, schedule an appointment, or stop by any branch.
* Annual Percentage Yield is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. $50 minimum balance. See Certificate of Deposit for details. EZ Saver CD Rates are subject to change at any time. Dividends are compounded and paid monthly. No Advantage Plus Rewards incentive may be applied. Fees may reduce earnings on account.