Certificates
Certificates reward you for being patient with higher rates and guaranteed returns at maturity
Call us at 800-341-9911 or visit an office
Two Ways To Save! 4.50% APY* 9-Month & 4.15% APY* 15-Month Certificates Available.
Royal certificates can help you save for all of life’s milestones. Open now or see all certificate rates
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 at maturity.
- Our certificates have competitive rates and no minimum opening balance.
Certificate Rates
Certificate Calculator
Take the Next Step
Not a Member?
If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!
Already a Member?
If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.
Prefer to Visit an Office?
We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.
Take the Next Step
Not a Member?
If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!
Already a Member?
If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.
Prefer to Visit an Office?
We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.
How Do Certificates Work?
Royal Certificates Include Smart Technology Tools
- Stay up to date about your account with online banking or our mobile app
- Sign up for electronic statements to receive certificate maturity notices by email
Start Saving Today With A Royal Credit Union Certificate!
