Lock in a 12-month certificate
%APY¹

¹APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective October 5, 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 24-Hour Telephone Teller, fee or dividend posting transactions).

²Promotion valid through October 31, 2026. Free one-time optional rate bump-up feature and add-on feature must be requested at account opening. Options are only available for a limited time and are available on all savings certificates and savings IRA accounts. For the one-time optional rate feature, you may request a rate increase equal to RCU’s current rates for the same product and term as of the date of request. For the add-on feature, deposits must be $500.00 or more and can be completed at any time during the certificate term. Both features will not carry over to the renewed product unless you request the feature(s) at renewal and are available.

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 If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal.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.