Savings & Checking Rates
Rates listed are effective as of 12/9/2025.
Dividend rates are reviewed periodically and are subject to change without notice. Earnings are paid on the last day of the month. Yields reflect monthly compounding. The minimum balances listed are required to earn the stated APY.
Savings Accounts
| Account | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular Savings | $105 | 0.05% | 0.05% |
| Christmas Club | $105 | 0.15% | 0.15% |
| Save to Win | $105 | 0.05% | 0.05% |
Checking Accounts
| Account | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular Checking | $0 | 0.00% | 0.00% |
| Money Market Checking | $1,000 | 0.05% | 0.05% |
| HSA (Health Savings)1 | $105 | 0.10% | 0.10% |
HYSA, IRA, & MMA
| Account | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| High-Yield Savings | $0 | 3.30% | 3.35% |
| IRA (Retirement) | $100 | 0.74% | 0.75% |
| 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% |
Certificate Rates
Rates listed are effective as of 12/9/2025.
Dividend rates are reviewed periodically and are subject to change without notice. Earnings are paid on the last day of the month. Yields reflect monthly compounding.
Certificate rates are locked in for your chosen term. If a like-term certificate is available on your certificate's maturity date, it will automatically renew at our current rate. Early withdrawal penalties apply. The amount of the early withdrawal penalty is based on the length of your remaining term. The penalty is equal to one-half of the remaining term’s dividends. This means the penalty decreases the longer you keep your funds in the account.
Certificates
| Term | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6-month | $1,000 | 3.44% | 3.50% |
| 12-month | $1,000 | 3.83% | 3.90% |
| 18-month | $1,000 | 4.02% | 4.10% |
| 24-month | $1,000 | 3.68% | 3.75% |
| 36-month | $1,000 | 3.68% | 3.75% |
| 60-month | $1,000 | 3.68% | 3.75% |
Member can convert their IRA, ESA, or HSA to a Certificate. Contact us for details.
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.
*APY=Annual Percentage Yield. Rates are effective as of 12/9/2025 and are subject to change without notice.
1Balance must exceed $2,000 before investing in a Certificate (min. balance applies based on Certificate type).