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Certificates in 60 SecondsThe My Savings Builder Certificate has a. $1, deposit maximum, and cannot be opened as an IRA, ESA or HSA. Certificate products are available as Traditional. *You can also take advantage of Ent's six-month �My Savings Builder� certificate with a minimum deposit of $25 to save for a specific goal. Even if 7% APYs come back, a certificate of deposit (CD) is not always the best place to keep your money. �You have to understand the fine print.