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

APY= Annual Percentage Yield. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective 10/16/19 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 3 or more transactions per month (excluding telephone teller or dividend posting transactions).

APY= Annual Percentage Yield. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective 10/16/19 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 3 or more transactions per month (excluding telephone teller or dividend posting transactions).

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.

APY= Annual Percentage Yield. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective 10/16/19 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 3 or more transactions per month (excluding telephone teller or dividend posting transactions).