*APY = Annual Percentage Yield as of 01/01/2016, based on $1,000 deposit (Bankrate.com)

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Certificates

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

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:

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

Financial wellness