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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.

Opening a certificate in mobile, step 1

Select Open a Share.

Opening a certificate in mobile, step 2

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.

Opening a certificate in mobile, step 3

Scroll to select the term for the certificate you’d like to open—from 3 months to 5 years—and tap Open Now.

Opening a certificate in mobile, step 4

You may be asked to authorize your account on a new device; if so, you’ll see the following screen. Tap Request New Code.

Opening a certificate in mobile, step 5

Select which method – email or text – to receive a security code and click Request Code.

Opening a certificate in mobile, step 6

Enter the code you received and tap Next.

Opening a certificate in mobile, step 7

Review the steps and requirements to complete opening a certificate.

Opening a certificate in mobile, step 8

Confirm your personal and contact information. Select Next.

Opening a certificate in mobile, step 9

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.

Opening a certificate in mobile, step 10

Review and accept the certificate Truth in Savings disclosure. Tap Accept & Continue.

Opening a certificate in mobile, step 12

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.

Opening a certificate in mobile, step 12

You will see a message once your application has been approved. Tap Done.

Opening a certificate in mobile, step 13

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.

Opening a certificate on desktop, step 1

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.

Opening a certificate on desktop, step 2

Select the term for the certificate you’d like to open—from 3 months to 5 years—and click Open Now.

Opening a certificate on desktop, step 3

You may be asked to authorize your account on a new device; if so, you’ll see the following screen. Select Request New Code.

Opening a certificate on desktop, step 4

Select which method – email or text – to receive a security code and click Request Code.

Opening a certificate on desktop, step 5

Enter the code you received and select Next.

Opening a certificate on desktop, step 6

Review the steps and requirements to complete opening a certificate.

Opening a certificate on desktop, step 7

Confirm your personal and contact information. Select Next.

Opening a certificate on desktop, step 8

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.

Opening a certificate on desktop, step 9

Review and accept the certificate Truth in Savings disclosure. Click Accept & Continue.

Opening a certificate on desktop, step 10

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.

Opening a certificate on desktop, step 11

You will see a message once you’ve been approved. Click Done.

Opening a certificate on desktop, step 12

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