Certificates

RRCU has Certificates for You!

Enjoy one of RRCUs certificates of deposit available for you today. We’re here to help you save toward Your Next Moment!

Standard Certificates

RRCU offers Certificates of Deposit in varying terms, from 3 months to 5 years.  Your certificate will earn a substantially higher rate than a share and withdrawal of your certificate before the end of the term will result in an interest penalty.  Standard certificates have a minimum balance of $500.00.

Payroll Certificates

Payroll Certificates are a great product for members who can’t deposit an initial $500, but still want the higher rate of return offered by maintaining a certificate. A Payroll Certificate requires just a $10 initial deposit*, and you can electronically contribute a little each month. River Region can set up automatic transfers from your check for your convenience.

Payroll Certificates Benefits:

• Enjoy annual maturity with withdrawal flexibility.
• Electronically deposit just $10 a month to maintain your certificate.
• Grow your certificate balance and diversify your savings portfolio.

Click For Current Rates

Ready to Get Started? 

If you’re ready to add a new certificate to your account portfolio, just click Open Account to get started.

OPEN ACCOUNT

If you have questions about a current certificate, please contact us at 866-649-5015

 

*APY: Annual Percentage Yield. To qualify for 3.25% APY you must maintain an active checking or loan product. The 3.25% APY is applicable for a one time 12 month period. Initial deposit cannot exceed $1,000.00. Rates effective 5/30/2025, and are subject to change daily.