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Savings Certificates

Bump up your savings

Lock in a great interest rate at opening then bump it up if rates increase during your term.


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

With active checking

Earn up to  % APY

Standard (without active checking)

Earn up to  % APY


Free Bump Up Option2

For a limited time, you can "bump up" to a new, higher interest rate one time during the term of your certificate if rates increase. Just open your certificate in person at your local branch or by phone and ask for the Bump Up Option.

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).

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 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

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

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.

  • 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 7, 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 only 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.
    3Consult a tax advisor for specific tax implications.