3.50% APY* 18-Month Certificate Special Offer Available!
Save smarter when you lock a higher rate for longer.
How Can I Manage My Certificate?
- Stay up to date about your certificate with online banking or our mobile app
- Sign up for electronic statements to receive certificate maturity notices by email
Why Choose an 18-Month Certificate?
- Higher Returns: Lock in a higher rate than most traditional savings accounts.
- Risk-Free Savings: Your money is safe and secure, and your rate won’t change during the term.
- Convenient Timeframe: An 18-month term offers both short-term accessibility and long-term growth potential.
- Easy to Open: There’s no minimum balance so you can grow any amount of funds.
Here’s What You Could Earn In 18 Months:
- Deposit $10,000: Watch it grow to $10,530
- Deposit $50,000: Build your savings to $52,650
- Deposit $100,000: Earn $5,300 in guaranteed dividends at maturity
How To Get Started
There are several easy was to open a Royal Credit Union certificate account!
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?
Instead of applying online, schedule an appointment at an office to apply.
Certificate Calculator
More About Certificates
How Does A Certificate Work?
A certificate is a special account that earns a higher interest rate in exchange for leaving your money in the account for a set period of time until it matures. There is also no minimum balance required to open a certificate, so you can open one with any amount of money. Once a certificate is opened, the funds are locked in for the selected term and funds cannot be deposited or withdrawn without penalty.
Who Should Have A Certificate?
If you’re saving for a future goal and don’t need your money right now, a certificate is a smart option for anyone! They’re especially popular with people who enjoy earning higher rates without worrying about investment risk. Certificates are popular with retirees and those near retirement looking for an investment that isn’t subject to the ups and downs of the stock market. Certificates also make an excellent medium-term savings vehicle for bigger goals like weddings or vacations. Certificates are also a good choice for kids’ savings accounts if you know they won’t need access to the money.
What Happens At Maturity?
A certificate matures when it reaches the end of its term. Upon maturity, the certificate enters a 10-day period where you can make any changes to the certificate including closing it out, changing the term, and adding or withdrawing funds. If no action is taken in those 10 days, the certificate will automatically renew for the same term. Members can set up preauthorized transactions to send monthly dividends to a savings account or to close out the certificate upon maturity.
Insured by NCUA. *APY = Annual Percentage Yield. APY is current as of 02/01/2025. Last changed on 02/01/2025. No minimum balance required to open account or earn APY. Rate is subject to change at any time without notice. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Penalties could reduce the earnings and principal on the account. Membership required and account opening upon qualification. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information.