Relax and watch your money grow

¹APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective October 29, 2024 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 three or more transactions per month (excluding telephone teller or dividend posting transactions).

²One-time optional rate bump-up option and add-on option must be requested at time of certificate of deposit opening and can be done in digital banking, at an RCU branch or by phone. Feature(s) only available during initial term of certificate of deposit.

³Consult a tax advisor for specific tax implications.

⁴Certificate yields assume dividends remain in the account until maturity; penalty imposed for early withdrawals and is based on the term of the certificate and how many days the certificate has been opened. If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal. On a certificate with a 3-month term, the penalty is the lesser of dividends earned or 45 days’ dividends. On a certificate with a 4- to 23-month term, the penalty is the lesser of dividends earned or 90 days’ dividends. On a certificate with a 24-month term or longer, the penalty is the lesser of dividends earned or 180 days’ dividends. Fees may reduce earnings.