Deposit Rates

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Type Account Features Annual Percentage Yield (APY)
CHECKING ACCOUNTS

Dividend Checking**
For average daily balance of $1,000 and greater
0.05% ^
Free Checking
No minimum balance; no maintenance fees
N/A
Mobile Checking
No minimum balance
N/A
New Foundation Checking
No minimum balance 
N/A
Non-Profit (Association) Checking**
For average daily balance of $2,500 and greater
0.05% ^
BASIC Business Checking**
For average daily balance of $2,500 and greater
0.05% ^
VALUE Business Checking**
No minimum balance; no maintenance fees N/A
DIVIDEND Business Checking**
For average daily balance of $10,000 and greater
0.05% ^
SAVINGS ACCOUNTS

Savings Dividend**
For average daily balance of:


$100 – $999.99
0.05% ^

$1,000 and greater
0.10% ^
IRA Savings Account**
For average daily balance of:


$100 – $9,999.99
0.10% ^

$10,000 and greater
0.20% ^
Daily Money Account**
For daily balance of:


$1,000 – $2,499.99
0.10% ^

$2,500 – $9,999.99
0.15% ^

$10,000 – $24,999.99
0.25% ^

$25,000 – $49,999.99
0.35% ^

$50,000 – $99,999.99
0.50% ^

$100,000 – $149,999.99
0.60% ^

$150,000 – $249,999.99
0.75% ^

$250,000 and greater
1.00% ^
Health Savings Checking (HSA)**
For average daily balance of:


$100 – $999.99
0.05% ^

$1,000 and greater
0.10% ^
Christmas Club*/**
No minimum deposit required; dividends paid on average daily balance
0.12% ^
Summer Savings Club*/**
No minimum deposit required; dividends paid on average daily balance
0.12% ^
Youth Savings **
For average daily balance of $25 and greater
0.10% ^
Vacation Account **
For average daily balance of $100 and greater
0.05% ^
Special Savings**
First Home ClubSM**
For average daily balance of $100 and greater
For average daily balance of $100 and greater
0.05% ^
0.05% ^
Insurance Account**
For average daily balance of $100 and greater
0.05% ^
Escrow Account**
For average daily balance of $100 and greater
0.05% ^
Loan Savings**
For average daily balance of $100 and greater
0.05% ^
Pledged Savings**
For average daily balance of $100 and greater
0.05% ^
Escrow Account**
For average daily balance of $100 and greater
0.05% ^



Deposit rates are accurate as of 11/1/18 and subject to change.

^APY = ANNUAL PERCENTAGE YIELD.

*Penalty may apply for early withdrawal. Fees may reduce earnings.

**The rate may change after the account is opened.

Please scroll left to view the rest of the table.
Type
Account Features
Annual Percentage Yield (APY)
Investor & IRA Certificates*
For daily balance of $1,000 & greater; $1,000 minimum deposit


6 months
0.200% ^

12 months
0.400% ^

18 months
0.550% ^

24 months
0.700% ^

36 months
1.000% ^

48 months
1.250% ^

60 months
1.600% ^
Starter Certificates*
No minimum deposit required; dividends paid on daily balance


1 year
0.250% ^

2 year
0.550% ^

3 year
0.850% ^
Investor & IRA Certificates Special* For daily balance of $1,000 & greater; $1,000 minimum deposit, including $500 minimum deposit of new money

13 months 2.250% ^

30 months
2.600% ^

Certificate rates are accurate as of 11/20/18 and subject to change.

^ APY = ANNUAL PERCENTAGE YIELD.

* 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.

‡ Promotional 13- and 30-month certificates require opening deposits of at least $1,000 with at least $500 of that coming from funds not already on deposit at Reliant Community Federal Credit Union. Certificate specials automatically renew to the next available shorter regular term at the time of maturity. Promotional certificate offers may end without notice.

Other—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.