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Savings Certificates

Relax and watch your money grow

Our free bump-up and add-on options have been extended through June 30, 2024!1


Now is a great time to sit back, relax, and watch your money grow with a savings certificate. Get our best rates when you maintain an active checking account with RCU.2

With active checking

Earn up to % APY

Standard (without active checking)

Earn up to % APY


Free Bump-Up option1

Our free "bump up" offer has been extended through June 30, 2024. Open your certificate in a branch or by phone and ask for the free "bump up" option to be able to request a new, higher dividends rate if rates increase during your term.

Free Add-On option1

Available through June 30, 2024, you can request a free add-on option when you open your certificate in a branch or by phone. This allows you to deposit additional funds anytime during your term ($500 minimum).

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.

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 penalty4

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

Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

More Calculators

For a more in-depth look at your returns.

View Certificate Calculator

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

  • 5 star superior rating

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • America's Best Credit Unions icon

    Named one of America’s Best Credit Unions by Newsweek.

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.

  • 1Promotion valid through June 30, 2024. Free one-time optional rate bump-up feature and add-on feature must be requested at account opening and can be done at an RCU branch or by phone. Features are not available in digital banking. 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.

    2APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective June 20, 2024 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).

    3Consult a tax advisor for specific tax implications.

    4Certificate 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.