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13-MONTH LIQUID CERTIFICATE

Great rates plus the flexibility you need

Enjoy the best of both worlds with higher yields and convenient withdrawals.

Overview

If you’re looking for a higher rate while maintaining access to your funds, this 13-month liquid savings certificate may be just the right fit.

Rate*

Fixed Rate

3.25 % APY

Highlights

Guaranteed rate with compounding dividends

Lock in a fixed interest rate that’s higher than a regular savings or money market account and earn compounding dividends each month.

Penalty-free withdrawals

Enjoy the flexibility of penalty-free withdrawals of any amount once per month during your 13-month term.

Unlimited deposits

You can make deposits anytime to maximize your earnings.

Flexible dividend payments

Choose how to receive dividends: reinvest, transfer to another account, or get a monthly check.

Good to know

Active checking required

You must have an active checking account at RCU with 3 or more transactions per month to earn dividends. If you don’t have an active checking account, there is a 90-day grace period to open your account and become active.

View checking accounts

$25,000 minimum initial deposit

To open a 13-month liquid certificate, you must make an initial deposit of at least $25,000.

Fixed interest rate and term

The interest rate is fixed for the full 13-month term regardless of market rate fluctuations. The interest rate bump-up option is not available on this certificate.

Converts at maturity

At maturity, the liquid certificate will automatically convert to a Balance Money Market at the prevailing rate. 

Lean about our money market accounts

Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Rate
%
$
Term Months

How to open an account

Opening an account is easy and we're here to help if you need it.

  • 1

    Apply online

    It takes just minutes. Have your Social Security number and driver's license or valid ID handy.

  • 2

    Deposit money

    Move money into your new account so you can start using it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Open a Liquid Certificate

Your hard-earned money is safe

  • 2024-best-CUs

    Named one of America’s Best Credit Unions by Newsweek.

  • 2024-superior-rating-2

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of May 30, 2024.

  • 2024-best-in-state-2

    Rated Best in State Credit Union by Forbes Magazine 3 years in a row.

Savings Certificates

Looking for a higher rate?

A traditional savings certificate offers a higher rate with an active checking account and pays a fixed dividend at a set date of withdrawal.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Ready to earn dividends with flexibility?

Lock in a higher fixed rate for 13-months while maintaining access to your funds.

  • Rates effective December 12, 2024. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. To open the certificate, you must have a $25,000.00 deposit and maintain an active checking account at RCU. Active checking is defined as a checking account having 3 or more transactions per month (excluding telephone teller and dividend posting transactions). You may add funds to your certificate at any time during the certificate term. You may also withdraw funds penalty free from your certificate, maximum 1 withdrawal per month. Withdrawals in excess of 1 per month may be subject to early withdrawal penalties. You must maintain a minimum balance of $1,000.00.

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