How Do Certificates Work?

No minimum balance and a variety of terms make certificates a smart investment! Patience pays off when you open a personal certificate! Leave your funds in the certificate for the specified term and you’ll be rewarded with your original money plus the dividends (also known as interest earnings). The rate is locked in for the term you choose, so the returns are guaranteed. Our certificates have competitive rates and no minimum opening balance.

Learn more about RCU's certificates