[{"RateCardID":"1","RateCardType":"HSA Certificate","RateCardName":"HSA_Certificate_MainPage","RatesList":[{"RateID":22,"RateOrder":0,"RateType":"HSA","RateName":"hsa-cert12-7-6-26","RateDisplayName":"Health Savings Certificate","RateNumber":null,"Term":"12 Month","Balance":null,"APR":null,"MonthlyPayment":null,"Margin":null,"DividendRate":"3.70%","RDRelationship":null,"APY":"3.77%","DisclosuresList":"Health-Savings-Checking-Promo-Disclosure","Product":null,"InfoLink":"~/checking-savings/savings-accounts/health-savings-account","ApplyLink":""}],"DisclosuresList":[{"DisclosureID":20,"DisclosureName":"HSA_Certificate_Base_Disclosure_7-6-26","DisclosureText":"\u003cp\u003eAPY = Annual Percentage Yield. APY is current as of 7/6/2026. Last changed on 7/6/2026. The above rates are subject to change at any time without notice. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Charges could reduce the earnings on the account. Membership required and account opening upon qualification. Other conditions or restrictions may apply. Royal Credit Union does not provide tax advice; consult a tax professional for more information on requirements and restrictions.​ Refer to our \u003ca href=\"https://files.rcu.org/disclosures/RCU-Member-Disclosures.pdf\" target=\"_blank\"\u003edisclosures\u003c/a\u003e and \u003ca href=\"https://files.rcu.org/disclosures/RCU-Service-Fees.pdf\" target=\"_blank\"\u003eservice fees\u003c/a\u003e for more information.​\u003c/p\u003e\r\n","DisclosureField":"3","RDRelationship":"HSA_Certificate_MainPage","DisclosureIdentifier":null}],"RateDisclosuresList":[]}]