Redwood Credit Union

IRA Share Certificate

Rates are effective as of

The following rates are posted for Members who already have an established account

APY=Annual Percentage Yield

Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal.

Rates and policies are subject to change without notice. Call for current information or refer to RCU's current Truth in Savings Account Disclosure (TISA)* leaflet and Multiple Account Disclosure for full details on early withdrawal penalties, terms and conditions on specific accounts. See separate Cost Recovery Schedule* for all fees. Fees may reduce earnings.

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++ We are no longer opening new 11 month share certificates; rates and yields are presented here for the benefit of those with these products. At maturity, 11-month certificates will renew as 12-month certificates at RCU’s prevailing 12-month certificate rate.

^^We are no longer opening new 7/7-month certificates, 8-month, 14-month or 25- month certificates; rates and yields are presented here for the benefit of those with these products. At maturity 14-month certificates will renew as 12-month certificates at RCU’s prevailing 12-month certificate rate.; 25-month certificates renew as 2-year certificates at RCU's prevailing 2-year certificate rate. At maturity, 7/7 certificates will automatically renew at the same rate or prevailing 7-mo. rate (whichever is higher). Following second term, certificates will renew as 6-mo. certificates at RCU's prevailing 6-mo. rates.

+If Federal Reserve benchmark overnight rate increases during term of Market Match Certificate, yield will automatically increase by same percentage, not to exceed a maximum yield of 5.80% APY. Rate adjustments will occur on first day of month following increase to benchmark overnight rate. Member may add on to the balance of this Share and IRA Certificate. Minimum add on amount is $500.00. At maturity Market Match certificates will renew as 12-month certificates at RCU’s prevailing 12-month certificate rate.

Redwood Credit Union Member deposit accounts are Federally insured up to $100,000 by the National Credit Union Administration (NCUA).

Individual Retirement Accounts (IRAs) Are Now Insured to $250,000 by the National Credit Union Administration (NCUA)

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