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Savings Rates

Effective date: November 29, 2023

Savings
Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly. The minimum balances listed are required to earn the stated APY.
Min. BalanceAPR*APY**
Share (Savings) $105 0.05% 0.05%
Christmas Club $105 0.15% 0.15%
Save to Win $105 0.05% 0.05%
High-Yield Savings $0 3.44% 3.50%

 

Certificate, Money Market, IRA, & HSA Rates

Effective date: November 29, 2023

Today's rates are listed below, however, dividend rates are reviewed periodically and are subject to change without notice. Yields reflect monthly compounding.


Our Most Competitive Offer: Match & Raise Certificate

For members who transfer funds from another bank or CU,
we're offering to beat advertised rates on CDs between 6 to 36 months.

Learn More


Certificates
Certificates are also available on IRA and HSA options.
TermMin. BalanceAPR*APY**
12-month $1,000 4.41% 4.50%
18-month $1,000 4.88% 5.00%
24-month $1,000 5.03% 5.15%
36-month $1,000 3.92% 4.00%
60-month $1,000 3.92% 4.00%

Bump-Up Certificates
With our Bump-Up Certificates, you may raise your earnings rate one time (for the remainder of your term) to the current rate on a like-term certificate. Activating Bump-Up is easy - there's no cost and no waiting period. If our rate goes up, you can raise yours.

Bump-Up Certificates are also available as IRA and HSA options.
TermMin. BalanceAPR*APY**
24-month $10,000 5.03% 5.15%
36-month $10,000 3.92% 4.00%
60-month $10,000 3.92% 4.00%

IRA, HSA & Money Market
Min. BalanceAPR*APY**
HSA (Health Savings)1 $100 0.10% 0.10%
Money Market Checking $1,000 0.05% 0.05%
Money Market Savings $1,000 0.49% 0.50%
  $10,000 0.74% 0.75%
Super Money Market $25,000 0.99% 1.00%
  $50,000 1.14% 1.15%
  $75,000 1.24% 1.25%
Money Market IRA $100 0.74% 0.75%

Open your account by phone or visit one of our offices.
504.576.5800x3  •  800.586.4RCU(4728)x3


Early withdrawal penalties may apply; fees may reduce earnings.

*APR=Annual Percentage Rate    **APY=Annual Percentage Yield

1No minimum opening balance. Balance must exceed $100 to earn dividends and $2,000 before investing in a Certificate (min. balance applies).

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