RMCU WEB BANNER 2023 PERSONAL SAVINGS

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.


View Our Current Rates

Savings Accounts

Truth in Savings Disclosure


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:


0.50% - 1.00% 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:


1.13% - 1.44% 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:


View Dividend Rates


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)