Personal Certificates

PATIENCE PAYS

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

 

3.04% APY* 18-month certificate

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!

3.04% APY* on a 18-Month Certificate
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At Royal Credit Union we're paying you to be patient with your money with an 3.04% APY* 18-month certificate.  No minimum balance required.  Now is the time. Open an account today! Read the full disclosures here.

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

3.00%

3.04%

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. Rates current as of 3/13/2019. Last changed on 3/13/2019. 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.

18-month certificate rate of 3.04% APY ends on 4/30/19.

View our disclosures and service fees.