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Certificates

We’re dedicated to helping you build your financial future.

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your future success begins now

Whether you’re just starting out, or you’re looking for a long-term solution to grow the savings you’ve already built, we have the certificate to build your success.

  • Daily Dividends

    Certificate dividends are calculated daily, with interest compounded and credited every quarter. While you’re out focusing on everyday life, we’ll be here, growing your money.

  • Flexible Terms

    Our available Investor and IRA Certificate terms come in a variety of terms, including 6, 12, 18, 24, 36, 48, and 60 months, so you can choose the timeframe that works best.

  • Auto-renewal

    We’ll send you a letter at least 30 days before your certificate matures. It will renew automatically on maturity at the current interest rate unless you notify us to do otherwise.

Starter Certificates

If you want to get on the path toward long-term saving, but you aren’t sure where to begin, a Starter Certificate may be the right choice for you.

Starter Certificates require no minimum initial deposit, so no matter how much you’re starting with, you can get the higher dividend rates of a certificate and start earning as soon as you make your first deposit.

Better yet, unlike most other certificates, the Starter Certificate lets you keep making deposits up until the maturity date — so you can get in the habit of building toward your long-term savings goals.

Investor Certificates

Earn higher dividends than a traditional savings account with an initial deposit of at least $1,000 and a variety of available terms. (No additional deposits may be made until the certificate matures.)

IRA Certificates

Our Traditional and Roth IRA Certificates give you the choices and the flexibility to enjoy high-yield, low-risk retirement savings. As with Investor Certificates, IRA Certificates require a deposit of at least $1,000 to open an account, with no additional deposits allowable until the certificate matures. Consult your tax advisor to determine which IRA certificate would best meet your needs.

Jumbo Certificates

For Investor and IRA Certificates with aggregated balances of $50,000 or greater, we offer Jumbo Certificate rates. Please call our Member Service Center at 800-724-9282 or stop by your nearest branch to learn more.

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Starter Certificates

Term

Rate

APY*

Term

1 year

Rate

0.200%

APY*

0.200%

Term

2 year

Rate

0.350%

APY*

0.350%

Term

3 Year

Rate

0.549%

APY*

0.550%

Investor and Individual Retirement Account Certificates

Term

Rate

APY*

Certificate rates are accurate as of 11/16/2020 and subject to change.

Penalty may apply for early withdrawal. For Investor and IRA certificates, the early withdrawal penalty depends on the term of the certificate. For terms of 12 months or less, the penalty is 90 days dividends; for terms greater than 12 months, the penalty is 180 days dividends. Fees may reduce earnings.

Jumbo rates are available for Investor and IRA Certificate accounts with aggregate certificate balances of $50,000 or greater. Visit your nearest branch  or call our Member Service Center at 800-724-9282 to learn more.

Minimum deposit for all Investor and IRA Certificates is $1,000.

Term

6 months

Rate

0.200%

APY*

0.200%

Term

12 months

Rate

0.300%

APY*

0.300%

Term

18 months

Rate

0.399%

APY*

0.400%

Term

24 months

Rate

0.499%

APY*

0.500%

Term

36 months

Rate

0.599%

APY*

0.600%

Term

48 months

Rate

0.648%

APY*

0.650%

Term

60 months

Rate

0.698%

APY*

0.700%

FAQs

You can withdraw funds on the date the certificate matures and up to ten (10) days after the maturity date without a penalty. A penalty1 is assessed if funds are withdrawn prior to maturity (some exceptions apply). See certificate rates for details.

Deposits can only be made into Investor and IRA (Individual Retirement Account) certificates at maturity. Deposits can be made to Reliant’s Starter Certificates at any time, through direct deposit, online banking, over the phone, or in a branch.

For Investor and IRA certificates with aggregate balances of $50,000 or greater, we offer Jumbo Certificate rates. Please call our Member Service Center at 800-724-9282 or visit a branch to learn more.

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Disclosures

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the period. Dividends begin accruing on the effective date of the deposit. Any certificate account closed prior to the end of the dividend period will receive dividends paid up to the date of withdrawal.

1 For Investor and IRA Certificates, the early withdrawal penalty depends on the term of the certificate. For terms of 12 months or less, the penalty is 90 days dividends; for terms greater than 12 months, the penalty is 180 days dividends. The early withdrawal penalty for a Starter Certificate is 180 days of dividends.  Fees may reduce earnings.