Lock in a rate as high as % APY1
Confidently grow your personal or business savings with a 6‑month certificate.
Steady growth you can count on
When you open a savings certificate, your funds stay securely in place for the term you choose—earning guaranteed dividends the whole time. It’s a smart way to grow your savings with confidence. And with an active RCU checking account, you’ll get our best rates.1
Rates1
View all ratesWith active checking
Earn up to % APYStandard (without active checking)
Earn up to % APYFlexible features to help your savings grow
All of RCU’s savings certificates offer these features and more.
Add-on option2
Our “add-on” option can be selected at the time of account opening and allows you to deposit additional funds to your certificate at any time. ($500 minimum.) This will decrease your initial rate by 0.10%.
Bump-up option2
This feature lets you "bump up" to a new, higher rate one time if rates increase during your certificate term. This will decrease your initial rate by 0.10%.
Dividends compounded monthly
By compounding dividends every month, you earn dividends on your dividends.
Flexible dividend payments
Choose how to receive dividends: reinvest, transfer to another account, or get a monthly check.
Add up your savings
Final Balance
Contributions: | Earnings:Why Choose RCU?
At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
Important details to know
$1,000 minimum initial deposit
To open a savings certificate, you must make an initial deposit of at least $1,000.
Put at least $5 in regular savings
You must have at least $5 in a regular savings account to open a savings certificate, and at least $75 to avoid a monthly minimum balance fee.
Early withdrawal penalty3
If you withdraw money from the certificate before the term is over, there is an early withdrawal penalty.
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1APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective February 14, 2026 and are subject to change. To open, obtain, and maintain the advertised rate for the certificate, you must have a $1,000 deposit and an active checking account at RCU. Active checking is defined as a checking account having three or more transactions per month (excluding telephone teller or dividend posting transactions).
2Add-on option and one-time optional rate bump-up option must be added at the time of certificate opening and reduce initial rate by 0.10% APY. Feature(s) only available during initial term of certificate. APY = Annual Percentage Yield.
3Certificate yields assume dividends remain in the account until maturity; penalty imposed for early withdrawals and is based on the term of the certificate and how many days the certificate has been opened. If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal. On a certificate with a 3-month term, the penalty is the lesser of dividends earned or 45 days’ dividends. On a certificate with a 4- to 23-month term, the penalty is the lesser of dividends earned or 90 days’ dividends. On a certificate with a 24-month term or longer, the penalty is the lesser of dividends earned or 180 days’ dividends. Fees may reduce earnings.
Personal certificate online application
Already have an RCU account?
(We’ll pre-fill your application)
Learn how to open your savings certificate online.
New to RCU?
Eligibility
You can become a Member of RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Business certificate online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Eligibility
You can become a Member of RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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