--- title: Savings Accounts at Rocky Mountain Credit Union description: At RMCU, we believe credit union savings accounts should be simple, flexible, and tailored to your financial goals. --- [![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) # 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](https://rmcu.net/personal/savings#member-savings-account) - [HSA and IRA accounts](https://rmcu.net/personal/savings#hsa-ira-accounts) - [Money market savings accounts](https://rmcu.net/personal/savings#money-market-savings-accounts) - [Certificates](https://rmcu.net/personal/savings#certificate-accounts) [View Our Current Rates](https://rmcu.net/certificate-rates?hsLang=en) ## 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](https://www.rmcu.net/savvy-money?hsLang=en), 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](https://play.google.com/store/apps/details?id=com.mahalo.androidmobile.rocky&hl=en_US&pli=1)makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more. ![rmcu-saving-account-new](https://rmcu.net/hs-fs/hubfs/rmcu-saving-account-new.png?width=1800&height=1192&name=rmcu-saving-account-new.png) ## 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)](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/TIS-Shares-October-2024.pdf?hsLang=en) ## 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](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) 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 | ![rmcu-hsa-ira-account](https://rmcu.net/hs-fs/hubfs/rmcu-hsa-ira-account.png?width=1800&height=1192&name=rmcu-hsa-ira-account.png) ## 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 *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](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) 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 | ![rmcu-money-market](https://rmcu.net/hs-fs/hubfs/rmcu-money-market.png?width=1800&height=1192&name=rmcu-money-market.png) ## 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 *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](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) for current charges that may apply to this account. Consult your tax advisor regarding potential tax advantages.* | | 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 | ![rmcu-certificate-account-1](https://rmcu.net/hs-fs/hubfs/rmcu-certificate-account-1.png?width=1800&height=1192&name=rmcu-certificate-account-1.png) ## 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)](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Truth%20In%20savings%207.1.26.pdf?hsLang=en) ## 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](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) 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](https://rmcu.net/certificate-rates?hsLang=en) | [View Dividend Rates](https://rmcu.net/certificate-rates?hsLang=en) | [View Dividend Rates](https://rmcu.net/certificate-rates?hsLang=en) | | 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.* | | --- |   ## Apply for a Savings Account ## Learn More About Savings Accounts ![](https://rmcu.net/hs-fs/hubfs/RMCU-Certificate-of-Deposit-vs-Savings-Account-blog-Header.jpg?width=700&name=RMCU-Certificate-of-Deposit-vs-Savings-Account-blog-Header.jpg) Blog Article ### [Certificate of Deposit vs. Savings Account](https://rmcu.net/blog/certificate-of-deposit-vs.-savings-account?hsLang=en) Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU-How-Millennials-Can-Save-for-Retirement-blog-1.jpg?width=700&name=RMCU-How-Millennials-Can-Save-for-Retirement-blog-1.jpg) Blog Article ### [How Millennials Can Save for Retirement](https://rmcu.net/blog/how-millennials-can-save-for-retirement?hsLang=en) Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU-IRA-vs-401k-%20Whats-The-Difference-blog-Header.jpg?width=700&name=RMCU-IRA-vs-401k-%20Whats-The-Difference-blog-Header.jpg) Blog Article ### [IRA vs. 401(k): What’s the Difference?](https://rmcu.net/blog/ira-vs.-401k-whats-the-difference?hsLang=en) Keep Reading ## [**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. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. Stay Here Continue