Ready, Set, Save.
Choose your way to save. Compare our savings account and certificate options below.
All members are required to open a Membership Savings with a $20 minimum balance in order to maintain membership with RMCU and utilize our additional products and services.
Early withdrawal penalties and fees could reduce earnings.
Includes Roth, Traditional, SEP, or ESA
All Term Certificates also available for IRA accounts.
Rates are subject to change without notice.
Savings Accounts
Savings
Minimum Balance Requirement(s):
$20 for Membership Savings share only
$.01 to earn the stated APY
Monthly Fee:
None
Annual Percentage Yield:
0.01% - 0.25% APY
Free Online Banking and eStatements:
Yes
IRA Savings
Minimum Balance Requirement:
None
Monthly Fee:
None
Annual Percentage Yield:
0.03% - 0.50% APY
Free Online Banking & eStatements:
Yes
HSA Savings
Minimum Balance Requirement:
None
Monthly Fee:
None
Annual Percentage Yield:
0.03% - 0.50% APY
Free Online Banking & eStatements:
Yes
Rocky Super Saver Account
Eligibility Requirement:
Under age 18
Membership Share with a $20 opening deposit required.
Minimum Deposit:
$.01
Free online banking & eStatements:
Yes
Annual Percentage Yield:
0.01% - 0.25% APY
Money Market Accounts
Standard Money Market
Minimum Balance Requirement:
$.01 to earn stated APY
Fees apply to any balance below $2,500
Monthly Fee:
$10 if balance drops below $2,500
Annual Percentage Yield:
0.40% - 0.90% APY
Free Online Banking & eStatements:
Yes
Premier Money Market
Minimum Balance Requirement:
$.01 to earn stated APY
Fees apply to any balance below $50,000
Monthly Fee:
$25 if balance drops below $50,000
Annual Percentage Yield:
0.90% - 1.28% APY
Free Online Banking & eStatements:
Yes
Certificate Accounts
Truth in Savings Certificate (PDF)
Vault Certificate
Minimum Deposit:
$1
Eligibility Requirement:
Membership Savings and $10 Automatic Deposit to Certificate
Term:
12 Months
Can add to certificate during the term:
Yes (See Truth in Savings Disclosure)
Term Certificate
Minimum Deposit:
$1,000
Eligibility Requirement:
Membership Savings
Term:
3 - 60 Months
Dividend Rate:
Can add to certificate during the term:
No
Youth Certificate
Minimum Deposit:
$250
Eligibility Requirement:
Membership Savings & Under Age 18
Term:
18 Months
Can add to certificate during the term:
Yes (See Truth in Savings Disclosure)