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Certificates reward you for being patient with higher rates and guaranteed returns

Call us at 800-341-9911 or visit an office

Learn More

5.15% APY* 9-Month Certificate Available!

Save smarter and reach your savings goals faster with a high-yield certificate! Open now or see all certificate rates


No minimum balance and a variety of terms make certificates a smart investment! Patience pays off when you open a personal certificate!

  • Leave your funds in the certificate for the specified term and you’ll be rewarded with your original money plus the dividends (also known as interest earnings).
  • The rate is locked in for the term you choose, so the returns are guaranteed.
  • Our certificates have competitive rates and no minimum opening balance.

Certificate Rates


Certificate Calculator

Take the Next Step

Not a Member?

If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!

Already a Member?

If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.

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Prefer to Visit an Office?

We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.

How Do Certificates Work?


RCU team member working with a Member to open a certificate


Royal Certificates Include Smart Technology Tools


Start Saving Today With A Royal Credit Union Certificate! 


Money Donuts Episode 27: When Saving With A Certificate Makes Sense play image