With just $10.00, you can open your Small Savers Certificate and start saving regularly. This 15 month certificate allows you to add money throughout the term while earning a higher interest rate than WyHy’s regular share savings account. When the balance in your certificate reaches $500, you can move it into a regular term share certificate at a better rate without paying a penalty or leave it in the Small Savers Certificate for the remainder of the term. A penalty does apply if you withdraw money during the term for any other purpose however money in the Small Savers Certificate can be used for a Share Secured Loan to help build your credit history.