Boost Your Savings with Rate Bumps Through March1
Lock in a great interest rate at opening, and then bump it up if savings rates increase during your term.
Overview
Make the most of your money with a high-yield savings certificate. Get a better rate when you maintain an active checking account with RCU.2
Rates2
With active checking
Earn up to %APYView all rates
Standard (without active checking)
Earn up to %APYView all rates
Calculate your savings
Final Balance
Contributions: | Earnings:-
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Apply online
It takes just minutes. Have your Social Security number and driver's license or valid ID handy.
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Deposit money
Move money into your new account so you can start using it.
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Manage your money online
Easily manage your money with online and mobile banking.
Your hard-earned money is safe
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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 #1 healthiest credit union in California according to Glatt Consulting’s 2023 Credit Union Industry HealthScore
I don't usually write reviews but this branch is worth going the extra mile to thank. Kind, courteous customer service and a great affinity for detail. They are like a regular bank except you are their investors and they treat you like a person because of that.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Ready to earn more on your savings?
Earn a higher rate on your savings with a federally-insured savings certificate.
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1Promotion valid through March 31, 2024. Free one-time optional rate bump feature must be requested at the time of account opening and can be done at an RCU branch or by phone. Currently not available in digital banking. This option is only available for a limited time and is available on all savings certificates and savings IRA accounts. You may request a rate increase equal to RCU’s current rates for the same product and term as of the date of request. This feature will not carry over to the renewed product unless you request the feature at renewal, and it is available.
2APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective May 2, 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).
3Promotion valid through March 31, 2024. Free add-on feature must be requested at time of account opening and can be done at an RCU branch or by phone. Currently not available in digital banking. This option is only available for a limited time and is available on all savings certificates and IRA accounts, except for liquid certificates. Add-on deposits must be $500.00 or more and can be completed at any time during the certificate term. This feature will not carry over to the renewed product unless you request the feature at renewal and it is available.
4Consult a tax advisor for specific tax implications.
Calculate your savings
Use this calculator to find out how much you can earn on a certificate
Rates
Rates
All Highlights
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Free Bump Up Option1
Due to popular demand, we're extending our free "bump up" promotion through March 31, 2024. Select the "bump up" option at the time of account opening to get a new, higher interest rate if rates increase during your term.
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Free add on option3
Extended through March 31, we’ll waive the initial rate reduction when you select the add on option when you open your certificate. This allows you to deposit additional funds anytime during your term ($500 minimum).
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Dividends compounded monthly
By compounding dividends every month, you earn dividends on your dividends.
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Flexible dividend payments
Choose how to receive dividends: reinvest, transfer to another account, or get a monthly check.
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Flexible terms
Choose terms from 3 months to 5 years depending on what works best for you.
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Higher dividends
Earn more dividends than you could from checking or short-term savings accounts.
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IRA option4
With an individual retirement account (IRA), you can enjoy tax advantages on your dividend earnings.
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Federally insured
All RCU accounts are federally insured by the National Credit Union Association for up to $250,000 per account.
Certificate online application
Not a Member?
It’s a breeze – Just 10 minutes to join, check eligibility below, and start your savings journey today.
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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