Personal Certificates

PATIENCE PAYS

At Royal Credit Union we’re paying you to be patient with your money.

Here's how it works: you put in a lump sum of money, wait a specified time period, and withdraw your money plus the interest you earned!  We offer a variety of terms and no minimum investment. Royal Credit Union offers some of the best rates around (see below). Good things come to those who save!

Ridiculously good Rates
Rates

Our Certificates boast some of the best rates around, terms to suit anybody, with no minimum to get started. Our "menu" of term options:

Term Dividend Rate APY*

3-Month

0.80%

0.80%

6-Month

1.40%

1.41%

12-Month

2.00%

2.02%

18-Month

2.30%

2.32%

24-Month

2.10% 2.12%

30-Month

2.15%

2.17%

36-Month

2.30%

2.32%

48-Month

2.35%

2.38%

60-Month

2.40%

2.43%

72-Month

2.40%

2.43%

The Fine Print
The Fine Print

*APY = Annual Percentage Yield. APY is accurate as of 5/1/2019. Last changed on 5/1/2019. No minimum balance required to open account or earn APY. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Charges could reduce the earnings on the account.

View our disclosures and service fees.