Bump up your savings
Lock in a great interest rate at opening then bump it up if rates increase during your term.
Overview
Make the best use of your money now and accomplish your financial goals in the future. Get a better rate when you maintain an active checking account with RCU.1
Rates1
View all ratesWith active checking
Earn up to  % APYStandard (without active checking)
Earn up to  % APYCalculate your savings
Final Balance
Contributions: | Earnings:-
1
Apply online
It takes just minutes. Have your Social Security number and driver's license or valid ID handy.
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2
Deposit money
Move money into your new account so you can start using it.
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3
Manage your money online
Easily manage your money with online and mobile banking.
Your hard-earned money is safe
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Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021
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Rated 4th healthiest credit union in the US by Glatt Consulting HealthScore in 2020
I don't usually write reviews but this branch is worth going the extra mile to thank. Kind, courteous customer service and a great affinity for detail. They are like a regular bank except you are their investors and they treat you like a person because of that."
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Ready to earn more on your savings?
Earn a higher rate on your savings with a federally-insured savings certificate.
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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 March 27, 2023 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).
2Promotion valid through July 31, 2023. Free one-time optional rate bump feature must be requested at the time of account opening and can be done online, at an RCU branch or by phone. This option is only available for a limited time and is available on all savings certificates and savings IRA accounts. You may request a rate increase equal to RCU’s current rates for the same product and term as of the date of request. This feature will not carry over to the renewed product unless you request the feature at renewal, and it is available.
3Promotion valid through July 31, 2023. Free add-on feature must be requested at time of account opening and can be done online, at an RCU branch or by phone. This option is only available for a limited time and is available on all savings certificates and IRA accounts, except for liquid certificates. Add-on deposits must be $500.00 or more and can be completed at any time during the certificate term. This feature will not carry over to the renewed product unless you request the feature at renewal and it is available.
4Consult a tax advisor for specific tax implications.
All Highlights
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Free bump up option2
From now through July 31, you can "bump up" to a new, higher interest rate one time during the term of your certificate if rates increase. Open your certificate online and select the bump up option. If you open your account at your local branch or by phone, be sure to ask for the Bump Up Option.
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Free add on option3
From now through July 31, we’ll waive the initial rate reduction when you select the add-on option when you open your certificate. This allows you to deposit additional funds anytime during your term ($500 minimum).
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Dividends compounded monthly
By compounding dividends every month, you earn dividends on your dividends.
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Flexible dividend payments
Choose how to receive dividends: reinvest, transfer to another account, or get a monthly check.
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Flexible terms
Choose terms from 3 months to 5 years depending on what works best for you.
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Higher dividends
Earn more dividends than you could from checking or short-term savings accounts.
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IRA option4
With an individual retirement account (IRA), you can enjoy tax advantages on your dividend earnings.
Rates
Certificate online application
Not a Member?
Become a Member and open your savings certificate. Review our Membership requirements below to determine if your are eligible.
You can become a Member of RCU if you meet any of the following:
- 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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