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Build Your Own

"Build Your Own" Certificates

Our regular savings products offer the flexibility and stability to help you meet your goals no matter what they are. With Build Your Own certificates, you can select the combination of account features and convenient options that are most important to you!

Open your choice of share certificates, then select from several balance-building account enhancements to bump up your savings potential.

First, pick your share certificate term and enjoy:

  • Low minimum deposits starting at just $1,000
  • No monthly maintenance fees
  • Competitive dividend rates
  • Dividends paid monthly

Now, select the additional certificate options that appeal to you:

  • Flexible dividend payment options
  • Add to your investment – from $500 to $100,000 at any time during your term
  • Increase your rate by .25% when you maintain an active checking account with RCU
  • View Build Your Own Certificate Rates

Build accounts that help you succeed on your terms – just call 1 (800) 479-7928, or visit an RCU branch to get started today!

Open Your New BYO Account Now!

Build accounts that help you succeed on your terms. Just call 1 (800) 479-7928, click on "Open" above, or visit an RCU branch to get started today!

Membership is open to anyone living or working in 8 North Bay counties. Join with as little as $5 per Member in a savings account. Some restrictions apply – contact RCU for details.

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