Savings & Checking Rates
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% |
| HSA (Health Savings)1 | $105 | 0.10% | 0.10% |
Rates listed above are accurate as of the 11/30/2025 dividend declaration date.
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% |
| Money Market Savings | $10,000 | 0.74% | 0.75% |
Rates listed above are accurate as of 12/24/2025.
Checking Accounts
| Account | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular Checking | $0 | 0.00% | 0.00% |
| Money Market Checking | $1,000 | 0.05% | 0.05% |
Rates listed above are accurate as of 12/24/2025.
Certificate Rates
Certificate rates are locked in for your chosen term. Earnings are paid on the last day of the month. Yields reflect monthly compounding. 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% |
Rates listed above are accurate as of 12/24/2025.
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 subject to change without notice.
1Balance must exceed $2,000 before investing in a Certificate (min. balance applies based on Certificate type).