Savings Accounts
Credit union savings accounts for every life goal
At Rocky Mountain Credit Union, we believe saving should be simple, flexible, and tailored to your financial goals. Whether you're just starting out, planning for retirement, or growing your wealth, our savings and certificate options provide the security and growth you need.
With easy online money management, competitive rates, and a range of accounts—including IRAs, HSAs, and money market options—we're here to help you make the most of your money. Because at RMCU, you're more than a member—you’re a partner in financial success.
Find the right savings account for your financial goal
With all RMCU savings accounts, you’ll enjoy:
Easy Transition From Your Old Savings Account
Before starting your home search, connect with a lender to determine how much you can afford and get preapproved for a loan.
Credit Score Insights
Monitor your credit using SavvyMoney, a perk that’s built into your RMCU mobile and desktop app.
Electronic Statements
Access your account statements securely online through the mobile or desktop app.
User-Friendly App
Our intuitive Rocky Mountain Credit Union Mobile App makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more.
Member Savings Account
Start your savings journey with RMCU’s Member Savings Accounts—simple, secure, and built for growth. With no monthly fees and free online banking, you’re on the path to financial success from day one. Parents or guardians can also open a Rocky Super Saver account with the same terms for kids under 18.
Savings Accounts
| Savings | Rocky Super Saver Account | |
|---|---|---|
| Minimum Balance: |
$20 for Membership Savings share only |
Under age 18 |
| Monthly Fee: | None | None |
| Annual Percentage Yield: | 0.01% - 0.25% APY | 0.01% - 0.25% APY |
HSA and IRA Accounts
Plan for the future with RMCU’s IRA and HSA Savings Accounts. Enjoy tax-advantaged growth, no monthly fees, and flexible savings options—all with the security of a trusted financial partner by your side.
HSA and IRA Accounts
| HSA Savings | IRA Savings | |
|---|---|---|
| Minimum Balance: |
None |
None |
| Monthly Fee: | None | None |
| Annual Percentage Yield: | 0.03% - 0.50% APY | 0.03% - 0.50% APY |
Money Market Savings Accounts
Grow your savings faster with RMCU’s Money Market accounts. Enjoy competitive rates, flexible access, and free online banking—perfect for those who want higher earnings in a secure account.
Money Market Accounts
| Standard Money Market | Premier Money Market | |
|---|---|---|
| Minimum Balance: |
$.01 to earn stated APY |
$.01 to earn stated APY |
| Monthly Fee: |
$10 if balance drops below $2,500 |
$25 if balance drops below $50,000 |
| Annual Percentage Yield: | 0.44% - 0.94% APY | 1.04% - 1.28% APY |
Certificate Savings Accounts
Secure your savings and watch them grow with RMCU’s Certificate Accounts. Whether you’re just starting out or building long-term wealth, our flexible options—starting with as little as $1—offer guaranteed returns and competitive rates. From our Vault Certificate for steady, low-minimum savings to our Youth Certificate designed to help young savers get ahead, we provide options to fit every financial goal. With terms ranging from 3 to 60 months, you can choose the path that works best for you.
Certificate Accounts
| Vault Certificate | Term Certificate | Youth Certificate | |
|---|---|---|---|
| Minimum Deposit: |
$1 |
$1,000 |
$250 |
| Eligibility Requirement: |
Membership Savings and $10 Automatic Deposit to Certificate |
Membership Savings |
Membership Savings Under Age 18 |
| Term: | 12 Months | 3 - 60 Months | 1 Months |
| Dividend Rate: | View Dividend Rates | View Dividend Rates | View Dividend Rates |
| Can add to certificate during the term: | Yes (See Truth in Savings Disclosure) | No | Yes (See Truth in Savings Disclosure) |
Members are required to open a Membership Savings with a $20 minimum balance in order to maintain membership with RMCU and utilize our additional products and services. Early withdrawal penalties and fees could reduce earnings. All Term Certificates also available for IRA accounts. Rates are subject to change without notice.
Need More Information?
Learn More About Savings Accounts
