Skip nav to main content.
Savings Certificates

Earn more on your savings

Put your money in a savings certificate and earn a higher rate on your balance in return.


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*.

With active checking

Earn up to  % APY

Standard (without active checking)

Earn up to  % APY


Higher dividends

Earn more dividends than you could from checking or short-term savings accounts.

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 deposits during the initial term

Add-on option can be selected at the time of opening the certificate, allowing you to deposit additional funds to your certificate ($500 minimum) to increase your earning power.

And more...

Good 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.

View Regular Savings

Early withdrawal penalty

If you withdraw money from the certificate before the term is over, there is an early withdrawal penalty.

Add-on option reduces rate

Selecting the add-on option at the time of certificate opening will slightly reduce your dividend rate (by 0.10%).

Calculate your savings

Use this calculator to find out how much you can earn on a certificate

How to open an account

Opening an account is easy and we're here to help if you need it.

  • 1

    Apply online

    It takes just minutes. Have your Social Security number and driver's license or valid ID handy.

  • 2

    Deposit money

    Move money into your new account so you can start using it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Open a Savings Certificate

Your hard-earned money is safe

  • a-plus-stability-rating

    Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021

  • 4th-healthiest-cu

    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."

— Eric P.

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.

  • *APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective July 3, 2022 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).

    **Consult a tax advisor for specific tax implications.