Share Certificates 
A Rocky Mountain Credit Union Share Certificate offers competitive Interest Rates with just a $1,000 minimum balance requirement. With a variety of maturity dates to choose from, you can maximize your investment return to suit your needs. Minimum to open is $1,000. 

Children's Share Certificates require a minimum deposit of $250 and can be added to during the term.

Interest Rates and Annual Percentage Yields
All rates are fixed for the term of the Share Certificate from the date of deposit.

Maturity:
Your Share Certificate will mature per your contract.

Transaction Limitations:
You may not make any deposits or withdrawals of principal from your Share Certificate before maturity.

Withdrawal of Interest:
Interest earned and credited to the Share Certificate may be withdrawn; however, in order to earn the Annual Percentage Yield, interest must remain in the Share Certificate until the stated maturity date.

Early Withdrawal Penalties:
A penalty may be imposed for withdrawals before maturity:

• if your Share Certificate has an original maturity of more than one year, we may impose a fee equal to three months interest on the amount withdrawn subject to penalty
• if your Share Certificate has an original maturity of one year or less, but more than 31 days, we may impose a fee equal to three months interest on the amount withdrawn subject to penalty

In certain circumstances such as death or incompetence of an owner of this Share Certificate, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Which we have this ruling as long as the member brings in a death Certificate.

Renewal Policy:
The Share Certificate will automatically renew on the maturity date at the rate being offered by Rocky Mountain Credit Union on the maturity date. You may prevent renewal if you withdraw the funds in the Share Certificate during the grace period, or we receive written notice from you within the grace period.

The grace period consists of seven (7) calendar days following the maturity date during which you may withdraw the funds without an Early Withdrawal Penalty. Interest that is accrued during the grace period will not be paid if the Share Certificate is not renewed.