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Certificates

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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

View rates

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

View rates

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.

Join RCU Today

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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Choose the Type of Account You Wish to Open

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

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Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

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Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.
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