--- title: Current Rates at Rocky Mountain Credit Union description: Rates are subject to change without notice, a membership savings with a minimum $20 balance is required. Penalties may be incurred for early withdrawal. --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) - - [Home Loans](https://rmcu.net/home-loans?hsLang=en) - [Personal](https://rmcu.net/personal?hsLang=en) - [Business](https://rmcu.net/business?hsLang=en) - [Membership](https://rmcu.net/membership?hsLang=en) - [Careers](https://rmcu.net/membership/about-rmcu/careers?hsLang=en) - [Contact Us](https://rmcu.net/contact-us?hsLang=en) - Search - [Checking](https://rmcu.net/personal/checking) - [Savings](https://rmcu.net/personal/savings) - [VISA Credit Cards](https://rmcu.net/personal/credit-cards) - [Personal Loans](https://rmcu.net/personal/loans) - [Vehicle & Recreation Loans](https://rmcu.net/personal/vehicle-loans) - [Loan & Gap Insurance](https://rmcu.net/loan-gap-insurance) ![rmcu-saving-account-1](https://rmcu.net/hs-fs/hubfs/rmcu-saving-account-1.png?width=1800&height=1192&name=rmcu-saving-account-1.png) Effective September 1st, 2026 # Certificate Rates ## (APY – Annual Percentage Yield) ***Rates are subject to change without notice**, a membership savings with a minimum $20 balance is required.* *Penalties may be incurred for early withdrawal.* *Fees incurred may reduce earnings.* | | Amount | Dividend Rate | APY | Compounds | | --- | --- | --- | --- | --- | | Membership Savings & Other Savings (Includes Christmas Club, First Time Homebuyers, Medical, Optional) | $0.01 - $999.99 $1,000 - $4,999.99 $5,000 - $24,999.99 $25,000 - $74,999.99 $75,000 \< | 0.01% 0.05% 0.10% 0.15% 0.25% | 0.01% 0.05% 0.10% 0.15% 0.25% | Dividends compounded credited monthly | | Escrow Savings | | 0.05% | 0.05% | Dividends compounded credited monthly | | Standard Money Market Below $2,500 $10 monthly fee | $0.01 - $2,499.99 $2,500 - $9,999.99 $10,000 - $19,999.99 $20,000 \< | 0.40% 0.50% 0.70% 0.90% | 0.40% 0.50% 0.70% 0.90% | Dividends compounded credited monthly | | Premier Money Market Below $50,000 $25 monthly fee | $0.01 - $49,999.99 $50,000 - $74,999.99 $75,000 - $99,999.99 $100,000 \< | 1.10% 1.20% 1.30% 1.40% | 1.11% 1.21% 1.31% 1.41% | Dividends compounded credited monthly | | Fresh Start Coin Swipe Checking | | 0.00% | 0.00% | Dividends compounded credited monthly | | Summit Checking (Qualifying rate requires monthly: 10 debit transactions and direct deposit. If qualifications are not met, non-qualifying rate will be paid. \*Example blended rate is calculated on the assumption of $100,000 in account.) | Qualifying: $0.01 to $20,000.00 Qualifying: $20,000.01 and greater Non‐Qual: $0.01 and greater | 4.89% 0.05% 0.05% | 5.00% 5.00%-1.02%\* 0.05% | Dividends compounded credited monthly | | HSA & IRA Shares (Includes Educational, Roth, SEP, Traditional) | $0.01 - $999.99 $1,000 - $4,999.99 $5,000 - $24,999.99 $25,000 - $74,999.99 $75,000 \< | 0.03% 0.10% 0.15% 0.25% 0.50% | 0.03% 0.10% 0.15% 0.25% 0.50% | Dividends compounded credited monthly | ## REGULAR CERTIFICATES ***(APY - Annual Percentage Yield). Rates are subject to change without notice. A membership savings account with a minimum balance of $20** is required. Penalties may be incurred for early withdrawal. Fees incurred may reduce earnings.* | | Min Balance | Dividend Rate | APY | Compounds | | --- | --- | --- | --- | --- | | $1,000 minimum balance (90 Day) | $1,000 \< | 3.40% | 3.45% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (6 Month) | $1,000 \< | 3.40% | 3.45% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | Vault (Must transfer min. $10 each month) (12 Month) - $1 minimum balance - IRA Certificates not available | $1 | 3.00% | 3.04% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (12 Month) | $1,000 \< | 3.50% | 3.56% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (18 Month) | $1,000 \< | 3.55% | 3.61% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (2 Years) | $1,000 \< | 3.60% | 3.66% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (3 Years) | $1,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (4 Years) | $1,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $1,000 minimum balance (5 Years) | $1,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | CHILDREN'S CERTIFICATES (18 Month) | $250 min. balance | 3.55% | 3.61% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | ## IRA CERTIFICATES ***(APY—Annual Percentage Yield). Rates are subject to change without notice. A membership savings account with a minimum balance of $20** is required. Penalties may be incurred for early withdrawal. Fees incurred may reduce earnings.* | | Min Balance | Dividend Rate | APY | Compounds | | --- | --- | --- | --- | --- | | $2,000 minimum balance for IRA Certificates (12 Month) | $2,000 \< | 3.50% | 3.56% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $2,000 minimum balance for IRA Certificates (18 Month) | $2,000 \< | 3.55% | 3.61% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $2,000 minimum balance for IRA Certificates (2 Years) | $2,000 \< | 3.60% | 3.66% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $2,000 minimum balance for IRA Certificates (3 Years) | $2,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $2,000 minimum balance for IRA Certificates (4 Years) | $2,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | | $2,000 minimum balance for IRA Certificates (5 Years) | $2,000 \< | 3.65% | 3.71% | Dividends compounded and credited monthly. Minimum balance is required to earn dividends. | ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. 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