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Savings Rates

Effective date: December 31, 2022

Savings
Dividend rates are declared monthly. Earnings are paid on the last day of the month and are compounded monthly.
Min. BalanceAPR*APY**
Share (Savings) $105 0.05% 0.05%
Christmas Club $105 0.15% 0.15%

 

Certificate, Money Market, IRA & HSA Rates

Certificate Special

3.33% APY**

33 Months  •  $5,000 Minimum

Invest Today ~ this offer is available for a limited time!
 

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

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

Step-Up Certificate Rates are also available on IRAs and HSAs.
TermMin. BalanceAPR*APY**
24 Month $10,000 2.07% 2.10%
36 Month $10,000 3.05% 3.10%
60 Month $10,000 3.53% 3.60%

Certificates
Certificate Rates are also available on IRAs and HSAs.
TermMin. BalanceAPR*APY**
12 Month $1,000 1.48% 1.50%
18 Month $1,000 1.78% 1.80%
24 Month $1,000 2.07% 2.10%
36 Month $1,000 3.05% 3.10%
60 Month $1,000 3.53% 3.60%

IRA, HSA & Money Market
Min. BalanceAPR*APY**
HSA1 $100 0.10% 0.10%
Money Market Checking $1,000 0.05% 0.05%
Money Market Savings $1,000 0.19% 0.20%
  $10,000 0.39% 0.40%
Super Money Market $25,000 0.49% 0.50%
  $50,000 0.54% 0.55%
  $75,000 0.64% 0.65%
Money Market IRA $100 0.44% 0.45%
1No minimum opening balance. Balance must exceed $100 to earn dividends and $2,000 before investing in a Certificate (min. balance applies).

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

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