Rates
Annual Percentage Yield (APY)
Regular Shares
Effective Date: 10/31/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Shares | 0.05% | 0.05% |
| REGULAR SHARE ACCOUNTS: APY = ANNUAL PERCENTAGE YIELD. BALANCES UNDER $100 DO NOT RECEIVE DIVIDENDS. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Money Market Tiered Rates
Effective Date: 10/31/2025, Rates Subject to Change
| Money Market Tiered Rates | Dividend Rate | APY |
|---|---|---|
| $500.00 - $25,000.00 | 0.40% | 0.40% |
| $25,000.01 - $75,000.00 | 0.90% | 0.90% |
| $75,000.01 - $175,000.00 | 1.65% | 1.66% |
| $175,000.01 and Above | 1.90% | 1.92% |
| MONEY MARKET ACCOUNTS: APY = ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIREMENT OF $500 AND WITHDRAWALS ARE LIMITED TO 3 PER MONTH. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Share Draft/Checking
Effective Date: 10/31/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Share Draft/Checking | 0.01% | 0.01% |
| SHARE DRAFT ACCOUNTS: APY= ANNUAL PERCENTAGE YIELD. SHARE DRAFT ACCOUNTS WITH AVERAGE DAILY BALANCES UNDER $500 ARE NOT PAID A DIVIDEND. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATE SUBJECT TO CHANGE WITHOUT NOTICE. | ||
Share Certificate
Effective Date: 10/31/2025, Rates Subject to Change
| Share Certificate | Dividend Rate | APY |
|---|---|---|
| 3 Month | 3.45% | 3.50% |
| 6 Month | 2.72% | 2.75% |
| 12 Month | 3.20% | 3.25% |
| 24 Month | 2.96% | 3.00% |
| 36 Month | 2.96% | 3.00% |
| 48 Month | 2.96% | 3.00% |
| 60 Month | 2.96% | 3.00% |
| SHARE CERTIFICATE: APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. | ||
Club Accounts
Effective Date: 10/31/2025, Rates Subject to Change
| Account Type | Dividend Rate | APY |
|---|---|---|
| Club Accounts | 0.20% | 0.20% |
| CLUB ACCOUNTS: APY=ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIRED IS $5.00. EARLY CLOSURE FEE IS $10.00. WITHDRAWALS UNDER $200 HAVE A $10.00 FEE. FEES MAY REDUCE EARNINGS. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. | ||