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, 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

Member Savings Account
HSA and IRA accounts
Money market savings accounts
Certificates

View Our Current Rates

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 online banking included, 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.

Truth in Savings Disclosure (PDF)

Savings Accounts

APY = Annual Percentage Yield. Rates are subject to change after account opening. APY as of September 1st, 2025. Dividends are compounded and credited monthly. Fees could reduce earnings. For details, refer to our Fee Schedule for current charges that may apply to this account. Consult your tax advisor regarding potential tax advantages.

	Savings	Rocky Super Saver Account
Minimum Balance:	$20 for Membership Savings share only $.01 to earn the stated APY	Under age 18 Membership Share with a $20 opening deposit required.
Monthly Fee:	None	None
Annual Percentage Yield:	0.01% - 0.25% APY	0.01% - 0.25% APY

HSA and IRA Accounts

APY = Annual Percentage Yield. Rates are subject to change after account opening. APY as of September 1st, 2025. Dividends are compounded and credited monthly. Fees could reduce earnings. For details, refer to our Fee Schedule for current charges that may apply to this account.Consult your tax advisor regarding potential tax advantages.

	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 Accounts

	Standard Money Market	Premier Money Market
Minimum Balance:	$.01 to earn stated APY Fees apply to any balance below $2,500	$.01 to earn stated APY Fees apply to any balance below $50,000
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 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 fixed-rate terms ranging from 3 to 60 months, you can choose the path that works best for you.

Truth in Savings Certificates Disclosure (PDF)

Certificate Accounts

APY = Annual Percentage Yield. APY as of September 1st, 2025. APY assumes dividends remain on deposit until maturity. Rates are fixed for the full term once the account is opened. Dividends are compounded and credited monthly. Early withdrawal of dividends or principal will reduce earnings and may result in a penalty. Fees could reduce earnings. For details, refer to our Fee Schedule for current charges that may apply to this account. Consult your tax advisor regarding potential tax advantages.

	Vault Certificate	Term Certificate	Youth Certificate
Minimum Deposit:	$1	$1,000	$250
Eligibility Requirement:	Membership Savings and $10 Automatic Deposit to Certificate	Membership Savings	Available to members under age 18 only
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. All Term Certificates also available for IRA accounts.

Important Information About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Savings Accounts

Credit union savings accounts for every life goal

With all RMCU savings accounts, you’ll enjoy: