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!

Earn 2.78% APY* For 18 Months
Certificate Rate 2.78 18-month

Lock in 2.78% APY with our high-yield 18-month certificate! The 2.78% APY remains locked for 18 months from account opening. That means your money earns more while remaining safe from market worries. Forget about the rate rollercoaster when you choose a high-yield 18-month certificate from Royal Credit Union.

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

0.45%

0.45%

6-Month

1.40%

1.41%

12-Month

2.00%

2.02%

18-Month

2.75%

2.78%

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. Rate current as of 10/1/2019. Last changed on 10/1/2019. The above rate is subject to change at any time without notice. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Charges could reduce earnings on account.

View our disclosures and service fees.