Certificates
We’re dedicated to helping you build your financial future.
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.
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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.
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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.
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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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Term |
Minimum Deposit |
Rate |
APY* |
|---|---|---|---|
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Promotional seven-month and 30-month certificates require opening deposit of at least $1,000. |
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Term 7 months |
Minimum Deposit $1,000 |
Rate 4.43% |
APY* 4.50% |
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Term 30 months |
Minimum Deposit $1,000 |
Rate 3.70% |
APY* 3.75% |
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Term |
Rate |
APY* |
|---|---|---|
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Term 1 year |
Rate 0.10% |
APY* 0.10% |
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Term 2 year |
Rate 0.25% |
APY* 0.25% |
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Term 3 Year |
Rate 0.30% |
APY* 0.30% |
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Term |
Rate |
APY* |
|---|---|---|
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Certificate rates are accurate as of 8/27/2024 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. |
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Term 6 months |
Rate 0.20% |
APY* 0.20% |
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Term 12 months |
Rate 0.25% |
APY* 0.25% |
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Term 18 months |
Rate 0.25% |
APY* 0.25% |
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Term 24 months |
Rate 0.35% |
APY* 0.35% |
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Term 36 months |
Rate 0.40% |
APY* 0.40% |
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Term 48 months |
Rate 0.45% |
APY* 0.45% |
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Term 60 months |
Rate 0.50% |
APY* 0.50% |
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.
*APY = ANNUAL PERCENTAGE YIELD.
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.