Savings, Money Market, and Certificates | Rocky Mountain Credit Union
Personal Banking > Savings, Money Market, and Certificates

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.
Standard Money Market
Premier Money Market
IRA Savings**
HSA Savings

Minimum Balance Requirement






Monthly Fee


$10 if balance drops below $2,500

$25 if balance drops below $50,000



Dividend Rate

0.02%-0.10% APY

0.30%-0.45% APY

0.50%-0.65% APY

0.05%-0.25% APY

0.05%-0.25% APY

Free Online Banking and







Apply for a Savings Account Online

Calculate Your Estimated Dividends Earned Here

Truth in Savings Disclosure

*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

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.
Vault Certificate
Term Certificate
Youth Certificate

Minimum Deposit




Eligibility Requirement

  • Membership Savings

  • $10 Automatic Deposit to Certificate

Membership Savings

Membership Savings & Under Age 18


12 Month

3-60 Month

18 Month

Can add to certificate during the term




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

Apply for a Certificate Account Online

View Current Certificate Rates Here

Calculate Your Estimated Balance At Maturity Here

Certificate Truth in Savings

OR stop by your local branch to open an account. Find your nearest branch