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2 forms found in the DOM

Name: login-form — POST https://online.redwoodcu.org//User/AccessSignin/Username

<form class="login-form__form form js-redwood-login" name="login-form" method="post" action="https://online.redwoodcu.org//User/AccessSignin/Username" autocomplete="off" target="_top">
  <div class="grid gap-md">
    <div class="col-12">
      <label class="login-form__label form-label margin-bottom-xxs sr-only" for="main_nav_login_UsernameField">main_nav_login: User Name</label>
      <span class="login-form__label form-label margin-bottom-xxs">User Name</span>
      <input type="text" class="login-form__input form-control width-100% js-login-username" id="main_nav_login_UsernameField" name="UsernameField" placeholder="Enter your Username">
      <input type="hidden" class="js-ret-url" id="main_nav_login_RetURL" name="RetURL" value="">
    </div>
    <div class="col-12">
      <button type="submit" class="login-form__submit btn btn--primary width-100% js-submit-next" id="main_nav_login_SubmitNext">
        <span>Log In</span>
      </button>
    </div>
    <div class="col-12">
      <label class="login-form__label form-label margin-bottom-xxs sr-only" for="main_nav_login_rememberUsername">main_nav_login: Remember Username</label>
      <span><input class="js-remember-username" id="main_nav_login_rememberUsername" type="checkbox"> Remember Username</span>
      <div class="sr-only">If you have any accessibility issues with our website, please call 1-800-479-7928.</div>
    </div>
  </div>
</form>

Name: login-form — POST https://online.redwoodcu.org//User/AccessSignin/Username

<form class="login-form__form form js-redwood-login" name="login-form" method="post" action="https://online.redwoodcu.org//User/AccessSignin/Username" autocomplete="off" target="_top">
  <div class="grid gap-md">
    <div class="col-12">
      <label class="login-form__label form-label margin-bottom-xxs sr-only" for="modal_nav_login_UsernameField">modal_nav_login: User Name</label>
      <span class="login-form__label form-label margin-bottom-xxs">User Name</span>
      <input type="text" class="login-form__input form-control width-100% js-login-username" id="modal_nav_login_UsernameField" name="UsernameField" placeholder="Enter your Username">
      <input type="hidden" class="js-ret-url" id="modal_nav_login_RetURL" name="RetURL" value="">
    </div>
    <div class="col-12">
      <button type="submit" class="login-form__submit btn btn--primary width-100% js-submit-next" id="modal_nav_login_SubmitNext">
        <span>Log In</span>
      </button>
    </div>
    <div class="col-12">
      <label class="login-form__label form-label margin-bottom-xxs sr-only" for="modal_nav_login_rememberUsername">modal_nav_login: Remember Username</label>
      <span><input class="js-remember-username" id="modal_nav_login_rememberUsername" type="checkbox"> Remember Username</span>
      <div class="sr-only">If you have any accessibility issues with our website, please call 1-800-479-7928.</div>
    </div>
  </div>
</form>

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SAVINGS CERTIFICATES


FREE BUMP-UPS EXTENDED THROUGH DECEMBER

Bump up your rate if it increases during your term.

Learn More View all Rates


LOVE WHERE YOU BANK

Redwood Credit Union offers a variety of products and services that are designed
with one thing in mind—you. RCU is here to help you on your financial journey
every step of the way. Love where you bank.

Learn More    Open an Account


FEATURED PRODUCTS AND SERVICES

Pay. Earn. Easy.

With an RCU Visa® Rewards Credit Card.

View Credit Cards

Secure your family's future

Easy and affordable wills and estate planning available through Trust & Will.

View Trust & Wills

Affordable auto loans

The road to your next ride starts here.

View Auto Loans



CURRENT RATES

View all rates


3/6 ARM MORTGAGE

as low as7.125%%RATE8.066%%APR


AUTO LOAN

as low as6.94%APR


CERTIFICATES W/ACTIVE CHECKING

earn up to5.00%APY


WHAT'S NEW

RCU ranked healthiest credit union in California

And sixth healthiest in the nation among large credit unions!

Read More

Fall Newsletter

Get the latest RCU news, smart money tips, fraud protection info, and more.

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Fresh digital banking

We've streamlined online and mobile banking to provide you faster, simpler tools
to help you manage your money!

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ACHIEVE YOUR FINANCIAL GOALS

Whatever your financial goals are, RCU is here to help with free resources to
get your planning started.

Free Financial Resources
Save

Establish an emergency fund or save for a particular goal. You’ll feel good
knowing you’re building a stable financial future.

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Spend

Whether you're looking to buy a home, a car, or everyday items, having a
spending plan in place will set you up for success.

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Borrow

If you manage your debt well, it can help you build credit and equity, which
will give you more financial security in the long run.

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BUILT ON LOVE

RCU serves over 400,000 of your friends, family, and neighbors. See what they
have to say.

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> Love my credit union. Great mortgage products, numerous locations, easy phone
> banking, great online services."
> 
> 
> — Jim C.


FOR OUR COMMUNITY

We are proud to support the communities we serve. Here are a few ways we helped
our communities in 2022:

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$3.7 MILLION DONATED

Through sponsorships, fundraising, and support to local nonprofit organizations.


3,288 COMMUNITY HOURS

Total hours RCU team members committed to our communities.


296,090 LIVES IMPACTED

Through grantmaking to organizations throughout our communities.

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RATES

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SHORT TERM CERTIFICATE RATES


SHORT TERM WITH ACTIVE CHECKING
12-17 MONTH CERTIFICATES

Earn up to 5.00 % APY


SHORT TERM WITHOUT ACTIVE CHECKING
12-17 MONTH CERTIFICATES

Earn up to 4.00 % APY


SHORT TERM CERTIFICATES WITH ACTIVE CHECKING

Get a better rate when you maintain an active checking account with RCU (see
disclosures for details).

 * 3-5 Months
 * 6-8 Months
 * 9-11 Months
 * 12-17 Months

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.75%Minimum Deposit : $2,500APY : 3.75%Minimum
Deposit : $5,000APY : 3.75%Minimum Deposit : $10,000APY : 3.75%Minimum Deposit :
$25,000APY : 3.75%Minimum Deposit : $50,000APY : 3.75%Minimum Deposit :
$100,000+APY : 3.75%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 4.85% Minimum Deposit : $2,500APY : 4.85% Minimum
Deposit : $5,000APY : 4.85% Minimum Deposit : $10,000APY : 4.85% Minimum Deposit
: $25,000APY : 4.85% Minimum Deposit : $50,000APY : 4.85% Minimum Deposit :
$100,000+APY : 4.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 5.00% Minimum Deposit : $2,500APY : 5.00% Minimum
Deposit : $5,000APY : 5.00% Minimum Deposit : $10,000APY : 5.00% Minimum Deposit
: $25,000APY : 5.00% Minimum Deposit : $50,000APY : 5.00% Minimum Deposit :
$100,000+APY : 5.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 5.00% Minimum Deposit : $2,500APY : 5.00% Minimum
Deposit : $5,000APY : 5.00% Minimum Deposit : $10,000APY : 5.00% Minimum Deposit
: $25,000APY : 5.00% Minimum Deposit : $50,000APY : 5.00% Minimum Deposit :
$100,000+APY : 5.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).


SHORT TERM STANDARD CERTIFICATES (WITHOUT ACTIVE CHECKING)

 * 3-5 Months
 * 6-8 Months
 * 9-11 Months
 * 12-17 Months

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.75% Minimum Deposit : $2,500APY : 2.75% Minimum
Deposit : $5,000APY : 2.75% Minimum Deposit : $10,000APY : 2.75% Minimum Deposit
: $25,000APY : 2.75% Minimum Deposit : $50,000APY : 2.75% Minimum Deposit :
$100,000+APY : 2.75%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.85% Minimum Deposit : $2,500APY : 3.85% Minimum
Deposit : $5,000APY : 3.85% Minimum Deposit : $10,000APY : 3.85% Minimum Deposit
: $25,000APY : 3.85% Minimum Deposit : $50,000APY : 3.85% Minimum Deposit :
$100,000+APY : 3.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.85% Minimum Deposit : $2,500APY : 3.85% Minimum
Deposit : $5,000APY : 3.85% Minimum Deposit : $10,000APY : 3.85% Minimum Deposit
: $25,000APY : 3.85% Minimum Deposit : $50,000APY : 3.85% Minimum Deposit :
$100,000+APY : 3.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit
APY
Minimum Deposit: $1,000 APY: 4.00% Minimum Deposit: $2,500 APY: 4.00% Minimum
Deposit: $5,000 APY: 4.00% Minimum Deposit: $10,000 APY: 4.00% Minimum Deposit:
$25,000 APY: 4.00% Minimum Deposit: $50,000 APY: 4.00% Minimum Deposit:
$100,000+ APY: 4.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.


LONG TERM CERTIFICATE RATES


LONG TERM WITH ACTIVE CHECKING
18-21 MONTH CERTIFICATES

Earn up to 4.50 % APY


LONG TERM WITHOUT ACTIVE CHECKING
18-21 MONTH CERTIFICATES

Earn up to 3.50 % APY


LONG TERM CERTIFICATES WITH ACTIVE CHECKING

Get a better rate when you maintain an active checking account with RCU (see
disclosures for details).

 * 18-21 Months
 * 2 Years
 * 3 Years
 * 5 Years

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 4.50% Minimum Deposit : $2,500APY : 4.50% Minimum
Deposit : $5,000APY : 4.50% Minimum Deposit : $10,000APY : 4.50% Minimum Deposit
: $25,000APY : 4.50% Minimum Deposit : $50,000APY : 4.50% Minimum Deposit :
$100,000+APY : 4.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 4.00% Minimum Deposit : $2,500APY : 4.00% Minimum
Deposit : $5,000APY : 4.00% Minimum Deposit : $10,000APY : 4.00% Minimum Deposit
: $25,000APY : 4.00% Minimum Deposit : $50,000APY : 4.00% Minimum Deposit :
$100,000+APY : 4.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.60% Minimum Deposit : $2,500APY : 3.60% Minimum
Deposit : $5,000APY : 3.60% Minimum Deposit : $10,000APY : 3.60% Minimum Deposit
: $25,000APY : 3.60% Minimum Deposit : $50,000APY : 3.60% Minimum Deposit :
$100,000+APY : 3.60%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.50% Minimum Deposit : $2,500APY : 3.50% Minimum
Deposit : $5,000APY : 3.50% Minimum Deposit : $10,000APY : 3.50% Minimum Deposit
: $25,000APY : 3.50% Minimum Deposit : $50,000APY : 3.50% Minimum Deposit :
$100,000+APY : 3.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).


LONG TERM STANDARD CERTIFICATES (WITHOUT ACTIVE CHECKING)

 * 18-21 Months
 * 2 Years
 * 3 Years
 * 5 Years

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.50% Minimum Deposit : $2,500APY : 3.50% Minimum
Deposit : $5,000APY : 3.50% Minimum Deposit : $10,000APY : 3.50% Minimum Deposit
: $25,000APY : 3.50% Minimum Deposit : $50,000APY : 3.50% Minimum Deposit :
$100,000+APY : 3.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.80% Minimum Deposit : $2,500APY : 2.80% Minimum
Deposit : $5,000APY : 2.80% Minimum Deposit : $10,000APY : 2.80% Minimum Deposit
: $25,000APY : 2.80% Minimum Deposit : $50,000APY : 2.80% Minimum Deposit :
$100,000+APY : 2.80%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.50% Minimum Deposit : $2,500APY : 2.50% Minimum
Deposit : $5,000APY : 2.50% Minimum Deposit : $10,000APY : 2.50% Minimum Deposit
: $25,000APY : 2.50% Minimum Deposit : $50,000APY : 2.50% Minimum Deposit :
$100,000+APY : 2.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in the
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.50% Minimum Deposit : $2,500APY : 2.50% Minimum
Deposit : $5,000APY : 2.50% Minimum Deposit : $10,000APY : 2.50% Minimum Deposit
: $25,000APY : 2.50% Minimum Deposit : $50,000APY : 2.50% Minimum Deposit :
$100,000+APY : 2.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings


SHORT TERM IRA CERTIFICATES WITH ACTIVE CHECKING

Get a better rate when you maintain an active checking account with RCU (see
disclosures for details).

 * 3-5 Months
 * 6-8 Months
 * 9-11 Months
 * 12-17 Months

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.75% Minimum Deposit : $2,500APY : 3.75% Minimum
Deposit : $5,000APY : 3.75% Minimum Deposit : $10,000APY : 3.75% Minimum Deposit
: $25,000APY : 3.75% Minimum Deposit : $50,000APY : 3.75% Minimum Deposit :
$100,000+APY : 3.75%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 4.85% Minimum Deposit : $2,500APY : 4.85% Minimum
Deposit : $5,000APY : 4.85% Minimum Deposit : $10,000APY : 4.85% Minimum Deposit
: $25,000APY : 4.85% Minimum Deposit : $50,000APY : 4.85% Minimum Deposit :
$100,000+APY : 4.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 5.00% Minimum Deposit : $2,500APY : 5.00% Minimum
Deposit : $5,000APY : 5.00% Minimum Deposit : $10,000APY : 5.00% Minimum Deposit
: $25,000APY : 5.00% Minimum Deposit : $50,000APY : 5.00% Minimum Deposit :
$100,000+APY : 5.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 5.00% Minimum Deposit : $2,500APY : 5.00% Minimum
Deposit : $5,000APY : 5.00% Minimum Deposit : $10,000APY : 5.00% Minimum Deposit
: $25,000APY : 5.00% Minimum Deposit : $50,000APY : 5.00% Minimum Deposit :
$100,000+APY : 5.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).


SHORT TERM IRA STANDARD CERTIFICATES (WITHOUT ACTIVE CHECKING)

 * 3-5 Months
 * 6-8 Months
 * 9-11 Months
 * 12-17 Months

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.75% Minimum Deposit : $2,500APY : 2.75% Minimum
Deposit : $5,000APY : 2.75% Minimum Deposit : $10,000APY : 2.75% Minimum Deposit
: $25,000APY : 2.75% Minimum Deposit : $50,000APY : 2.75% Minimum Deposit :
$100,000+APY : 2.75%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.85% Minimum Deposit : $2,500APY : 3.85% Minimum
Deposit : $5,000APY : 3.85% Minimum Deposit : $10,000APY : 3.85% Minimum Deposit
: $25,000APY : 3.85% Minimum Deposit : $50,000APY : 3.85% Minimum Deposit :
$100,000+APY : 3.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.85% Minimum Deposit : $2,500APY : 3.85% Minimum
Deposit : $5,000APY : 3.85% Minimum Deposit : $10,000APY : 3.85% Minimum Deposit
: $25,000APY : 3.85% Minimum Deposit : $50,000APY : 3.85% Minimum Deposit :
$100,000+APY : 3.85%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000 APY : 4.00%Minimum Deposit : $2,500APY : 4.00%Minimum
Deposit : $5,000APY : 4.00%Minimum Deposit : $10,000 APY : 4.00%Minimum Deposit
: $25,000APY : 4.00%Minimum Deposit : $50,000APY : 4.00%Minimum Deposit :
$100,000+APY : 4.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.


LONG TERM IRA CERTIFICATES WITH ACTIVE CHECKING

Get a better rate when you maintain an active checking account with RCU (see
disclosures for details).

 * 18-21 Months
 * 2 Years
 * 3 Years
 * 5 Years

Minimum Deposit

APY

Minimum Deposit : $1,000 APY : 4.50%Minimum Deposit : $2,500APY : 4.50%Minimum
Deposit : $5,000APY : 4.50%Minimum Deposit : $10,000APY : 4.50%Minimum Deposit :
$25,000APY : 4.50%Minimum Deposit : $50,000APY : 4.50%Minimum Deposit :
$100,000+APY : 4.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 4.00% Minimum Deposit : $2,500APY : 4.00% Minimum
Deposit : $5,000APY : 4.00% Minimum Deposit : $10,000APY : 4.00% Minimum Deposit
: $25,000APY : 4.00% Minimum Deposit : $50,000APY : 4.00% Minimum Deposit :
$100,000+APY : 4.00%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.60% Minimum Deposit : $2,500APY : 3.60% Minimum
Deposit : $5,000APY : 3.60% Minimum Deposit : $10,000APY : 3.60% Minimum Deposit
: $25,000APY : 3.60% Minimum Deposit : $50,000APY : 3.60% Minimum Deposit :
$100,000+APY : 3.60%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.50% Minimum Deposit : $2,500APY : 3.50% Minimum
Deposit : $5,000APY : 3.50% Minimum Deposit : $10,000APY : 3.50% Minimum Deposit
: $25,000APY : 3.50% Minimum Deposit : $50,000 APY : 3.50% Minimum Deposit :
$100,000+APY : 3.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield. Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings. In order to open and maintain this certificate, you must have an
active checking account at RCU. Active checking is defined as a checking account
having 3 or more transactions per month (excluding telephone teller or dividend
posting transactions).


LONG TERM IRA STANDARD CERTIFICATES (WITHOUT ACTIVE CHECKING)

 * 18-21 Months
 * 2 Years
 * 3 Years
 * 5 Years

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 3.50% Minimum Deposit : $2,500APY : 3.50% Minimum
Deposit : $5,000APY : 3.50% Minimum Deposit : $10,000APY : 3.50% Minimum Deposit
: $25,000APY : 3.50% Minimum Deposit : $50,000APY : 3.50% Minimum Deposit :
$100,000+APY : 3.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.80% Minimum Deposit : $2,500APY : 2.80% Minimum
Deposit : $5,000APY : 2.80% Minimum Deposit : $10,000APY : 2.80% Minimum Deposit
: $25,000APY : 2.80% Minimum Deposit : $50,000APY : 2.80% Minimum Deposit :
$100,000+APY : 2.80%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000 APY : 2.50%Minimum Deposit : $2,500APY : 2.50%Minimum
Deposit : $5,000APY : 2.50%Minimum Deposit : $10,000APY : 2.50%Minimum Deposit :
$25,000APY : 2.50%Minimum Deposit : $50,000APY : 2.50%Minimum Deposit :
$100,000+APY : 2.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.

Minimum Deposit

APY

Minimum Deposit : $1,000APY : 2.50% Minimum Deposit : $2,500APY : 2.50% Minimum
Deposit : $5,000APY : 2.50% Minimum Deposit : $10,000APY : 2.50% Minimum Deposit
: $25,000APY : 2.50% Minimum Deposit : $50,000APY : 2.50% Minimum Deposit :
$100,000+APY : 2.50%

Rates are effective 10/31/2023 and are subject to change without notice.

APY=Annual Percentage Yield Certificate Yields assume dividends remain in
account until maturity; penalty imposed for early withdrawal. Fees may reduce
earnings.


PPP FORGIVENESS APPLICATION DEADLINE

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Congress passed The Economic Aid Act which changed the deferment period from 6
months post covered period to 10 months post covered period. For example, if
your covered period ended June 30, 2021, under the new guidelines the earliest
your first loan payment wouldn’t be due until April 2022, and you have until
then to request forgiveness. Please use the following calculation to help you
identify when your forgiveness will be due:

 * PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
 * RCU is automatically calculating your loan due date based on a 24-week
   covered period, if you intend on using a shorter covered period please inform
   us immediately as this will impact your due date.
 * Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be
due the first of the following month after a decision is made by the SBA.


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