Certificates

SHARE CERTIFICATES OF DEPOSIT

Certificates of Deposit

Earn More on Your Money with an RFCU Certificate of Deposit

If you’d like to earn more on your money, a Certificate will allow you to do that. Choose from a variety of terms and dividend rates. Whether you’re saving for retirement, a dream vacation or a child’s education, Ridgedale Federal Credit Union has a certificate to help you achieve your goal.

To learn more about our Share Certificate options, you can scroll down for rates and terms. You can open your Share Certificate by clicking on the proper link below, visit our branch office or call 973-947-1000 option #3.

To open a new membership and certificate click here

To amend your membership & add a certificate click here

Benefits

$500 minimum deposit for regular certificates. Other minimums may vary.
Terms from three months to five years

Convenient automatic renewal Dividends are paid monthly *
Deposits are federally insured by the NCUA up to $250,000

Calculate Your Shared Certificate Value

Use this Shared Certificate Calculator to help determine the potential interest growth on your Shared Certificate.

Get Started

Rates and Disclosures

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.

To learn more about our Share Certificate options or to open a Share Certificate, please visit our branch office or call 973-947-1000 ext. 105.Get Started

Go to main navigation

Income - Single	Income - Head of Household	Income - Married Filing Jointly	Income - Married Filing Separately	Federal Tax Rate
$0 - $11,600	$0 - $16,550	$0 - $23,200	$0 - $11,600	10%
$11,601 - $47,150	$16,551 - $63,100	$23,201 - $94,300	$11,601 - $47,150	12%
$47,151 - $100,525	$63,101 - $100,500	$94,301 - $201,150	$47,151 - $100,525	22%
$100,526 - $191,950	$100,501 - $191,950	$201,151 - $383,900	$100,526 - $191,950	24%
$191,951 - $243,725	$191,951 - $243,700	$383,901 - $487,450	$191,951 - $243,725	32%
$243,726 - $609,350	$243,701 - $609,350	$487,451 - $731,200	$243,726 - $365,600	35%
$609,351+	$609,351+	$731,201	$365,601	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $11,260	With Room & Board: $24,030
Public 4yr	Residence: Out-of-State	Tuition & Fees: $29,150	With Room & Board: $41,920
Public 2yr	Residence: In-State	Tuition & Fees: $3,990	With Room & Board: $13,960
Private 4yr	Residence: N/A	Tuition & Fees: $41,540	With Room & Board: $56,190

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.1%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%
2022		8.0%
2023		4.1%