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 % APYCalculate your savings
Final Balance
Contributions: | Earnings:-
1
Apply online
It takes just minutes. Have your Social Security number and driver's license or valid ID handy.
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2
Deposit money
Move money into your new account so you can start using it.
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3
Manage your money online
Easily manage your money with online and mobile banking.
Your hard-earned money is safe
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Named one of America’s Best Credit Unions by Newsweek.
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Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.
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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.
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Rates effective May 2, 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.
Certificate online application
Not a Member?
Become a Member and open your savings certificate. Review our Membership requirements below to determine if your are eligible.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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