Personal

12 Month Certificate Yield*
	APY
RCU
Wells Fargo	1.25%
CitiBank	0.25%
BofA	0.05%
Rates and more info

*APY = Annual Percentage Yield as of 04/02/, based on $1,000 deposit (Citi.com, WellsFargo.com, & BofA.com)

Certificates

Overview
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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!