Certificate Accounts allow you to lock in rates at higher yields than regular savings accounts and carry rates that are fixed for the term of the certificate. Certificates are a good investment choice if you are looking for safe, conservative vehicles for your funds. Fitzsimons offers certificates in a variety of terms to help suit your own particular investment strategy. The minimum opening deposit for any certificate is only $500. You can have your monthly dividends compounded to your existing balance or withdraw them at any time without penalty.