How to Open a Certificate Online
A savings (or share) certificate is a type of high-yield savings account that allows you to set aside an amount of money for a set term in exchange for a higher dividend rate that is often better than traditional savings or money market accounts. Learn more about certificates.
Mobile
If you're using a mobile device, follow the steps below. For computers, go to the desktop steps
Tap the home screen menu at lower right.
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Select Open a Share.
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Select which type of certificate you would like to open. If you make more than 3 transactions per month on your RCU checking account, select Certificates (with Active Checking). Otherwise, select Certificates (standard).
Note: Certificates paired with an active checking account may earn higher rates.
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Scroll to select the term for the certificate you’d like to open—from 3 months to 5 years—and tap Open Now.
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You may be asked to authorize your account on a new device; if so, you’ll see the following screen. Tap Request New Code.
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Select which method – email or text – to receive a security code and click Request Code.
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Enter the code you received and tap Next.
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Review the steps and requirements to complete opening a certificate.
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Confirm your personal and contact information. Select Next.
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Select the account you want to withdraw from to fund your new certificate, then enter the dollar amount you wish to deposit and select Done.
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Review and accept the certificate Truth in Savings disclosure. Tap Accept & Continue.
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Review all the information on screen before proceeding. If changes are needed, tap Edit to edit. Once you confirm all the information is correct, tap Submit Application.
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You will see a message once your application has been approved. Tap Done.
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Desktop
If you're using a computer, follow the steps below. For mobile devices, go to the mobile steps
From your dashboard, click the three-dot menu and select Open a Share.
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Select which type of certificate you would like to open. If you make more than 3 transactions per month on your RCU checking account, select Certificates (with Active Checking). Otherwise, select Certificates (standard).
Note: Certificates paired with an active checking account may earn higher rates.
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Select the term for the certificate you’d like to open—from 3 months to 5 years—and click Open Now.
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You may be asked to authorize your account on a new device; if so, you’ll see the following screen. Select Request New Code.
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Select which method – email or text – to receive a security code and click Request Code.
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Enter the code you received and select Next.
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Review the steps and requirements to complete opening a certificate.
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Confirm your personal and contact information. Select Next.
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Select the account you want to withdraw from to fund your new certificate, then enter the dollar amount you wish to deposit and select Next.
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Review and accept the certificate Truth in Savings disclosure. Click Accept & Continue.
Confirm that the information on the screen looks accurate before proceeding. If changes are needed, click Edit to edit. Once all information is accurate, click Submit Application.
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You will see a message once you’ve been approved. Click Done.
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