Grow your business savings at a higher rate

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 13, 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 in online banking, at an RCU branch or by phone. Currently not available on the mobile app. 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 in online banking, at an RCU branch or by phone. Currently not available on the mobile app. 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.

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 If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal.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