Certificates Hero Image

Certificates

  • Overview
  • Compare
  • Open

Save for your future by building your savings in safe, insured certificates that earn higher yields than traditional savings accounts.

Share Certificates

  • Dividends compounded and paid monthly
  • Terms from 3 months to 5 years
  • Initial deposits from just $1,000
  • Cash out or re-invest when your certificate matures 

Individual Retirement Account (IRA) Certificates

  • Dividends compounded and paid monthly
  • Terms from 3 months to 5 years
  • Initial deposits from just $1,000
  • Cash out or re-invest when your certificate matures for retirement or other needs

Want to learn more about certificate investment strategies?

Compare our Certificates

 

Standard Certificate

Certificate with Active Checking

Minimum Amount

$1,000

$1,000

Terms

3 months - 5 years

3 months - 5 years

Dividends

Compounded and paid monthly

Compounded and paid monthly

Rates

Vary depending on term and investment amount

Typically higher than Standard Certificate but vary depending on term and amount invested

Build Your Own Options (BYO)
  • Flexible dividend payment options
  • Add-on deposits during term ($500 minimum) 

 

  • Flexible dividend payment options
  • Add-on deposits during term ($500 minimum) 

 

IRA Option

 Yes

Yes

Insured

 Yes
Insured to at least $250,000 by National Credit Union Association (NCUA), a U.S. government agency

  Yes
Insured to at least $250,000 by National Credit Union Association (NCUA), a U.S. government agency

 

Open an RCU Certificate

Open an RCU certificate today and grow your savings! Our certificates offer:

  • Variety of term certificates to save for your future
  • Stable, guaranteed rates of return 
  • Federally insured deposits

To open an RCU certificate, apply to become a Member today.

Financial wellness

Get Started