Certificates of Deposit

In addition to our savings products, RMCU also offers an array of certificate options to assist you in reaching your financial goals. Below you can view our certificate options to see which ones best fit your needs.

*All Term Certificates also available for IRA accounts. Early withdrawal penalties and fees could reduce earnings.

Apply for a Certificate Account Online

Truth in Savings Certificate (PDF)

Two ladies hiking in the woods

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

Older couple on a hike in the woods.

Term Certificate

Minimum Deposit: $1,000

Eligibility Requirement: Membership Savings

Term: 3 - 60 Months

Dividend Rate: View Dividend Rates

Can add to certificate during the term: Yes

Young child skiing down a hill

Youth Certificate

Minimum Deposit: $250

Eligibility Requirement: Membership Savings & Under Age 18

Term: 18 Months

Can add to certificate during the term: Yes

Whether you’re just starting to save or you’re well underway towards achieving your financial goals, RMCU has a Savings account just for you!

Below you’ll find a comparison of our savings products so that you can decide which ones will best fit your needs.

*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.

**Includes Roth, Traditional, SEP, or ESA

Apply for a Savings Account Online

Truth in Savings Disclosure (PDF)

Lady putting a coin in a piggy bank

Savings*

Minimum Balance Requirement: $20

Monthly Fee: None

Dividend Rate: 0.01%-0.05% APY

Free Online Banking and eStatements: Yes

Rocky Super Savers superhero

Rocky Super Saver Account

  • Eligibility Requirement-Under age 18
  • Minimum Deposit $20.00
  • 10 for 10! Make ten in-person deposits and be rewarded with $10 on us.
  • Pick from our treasure box every time you make a deposit
  • Free online banking and eStatements
  • Dividend rate .01%-.05% APY

Family saving money in a piggy bank

Standard Money Market

Minimum Balance Requirement: $2,500

Monthly Fee: $10 if balance drops below $2,500

Dividend Rate: 0.02%-0.10% APY

Free Online Banking and eStatements: Yes

Male reading the newspaper and having a cup of coffee

Premier Money Market

Minimum Balance Requirement: $50,000

Monthly Fee: $25 if balance drops below $50,000

Dividend Rate: 0.05%-0.20%

Free Online Banking and eStatements: Yes

Older ethic couple looking at a laptop

IRA Savings**

Minimum Balance Requirement: None

Monthly Fee: None

Dividend Rate: 0.15%-0.75% APY

Free Online Banking and eStatements: Yes

Father carrying son, down a dirt road

HSA Savings

Minimum Balance Requirement: None

Monthly Fee: None

Dividend Rate:0.15%-0.75% APY

Free Online Banking and eStatements: Yes