Safely Grow Your Money with a Share Certificate 

Share Certificate Terms & Rates

We are proud to offer a wide range of terms with competitive rates on all of our share certificates⁸.
TermMinimum BalanceDividend FrequencyDividend RateAPY
91 Days$500Maturity.20%8.20%8
6 Months$500Monthly.30%8.30%8
9 Months$500Monthly.35%8.35%8
12 Months$500Monthly2.00%82.02%8
18 Months$500Monthly3.00%83.04%8
24 Months$500Quarterly3.00%83.03%8
36 Months$500Quarterly1.75%81.76%8
60 Months$1,000Quarterly1.90%81.91%8
25 Months Special (New Money Only)$500Quarterly3.50%83.55%8
TermMinimum BalanceDividend FrequencyDividend RateAPY
Variable*$5Monthly.25%8.25%8
12 Months$500Quarterly2.00%82.02%8
24 Months$500Quarterly3.00%83.03%8
36 Months$500Quarterly1.75%81.76%8
60 Months$1000Quarterly1.90%81.91%8

Most financial institutions insure up to $250,000 of your hard-earned money. At R.I.A., we’ve doubled that!⁶ Get peace of mind when you bank with R.I.A.

A Reliable Investment

A share certificate is one of the safest and most reliable investments you can make.

Fixed Rates

Earn high fixed rate dividends on your investment.

Flexible Terms

We offer terms ranging from 91 days to as long as 5 years.

Automatic Renewals

Most certificates renew automatically at maturity.

Ultimate Coverage

Your deposit funds are insured up to $500,000⁸.

Share Certificate FAQ

You have questions. We have answers. See below for a list of our most frequently asked questions about our share certificates.

How much does it cost to start a Share Certificate?

There is a minimum deposit of $500 to open a share certificate account, and a $500 daily balance required to earn dividends.

Am I able to access funds without a penalty?

Penalties may be imposed for early withdrawal. Fees may reduce earnings. See terms and conditions for full details.

Disclaimer

8. Certificates

    • (Share Certificate) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.  
    • (IRA) Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates may change at maturity. $500 deposit required to open this account. $500 daily balance required to earn dividends.  
    • APY=Annual Percentage Yield. APYs accurate as of 10/01/2022; the last dividend declaration date. Rates may change at maturity. Fees may reduce earnings on the account.
    • A penalty may be imposed for early withdrawal.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

25-month Share Certificate Special:

  1. APY=Annual Percentage Yield. APYs accurate as of 09/22/2022; the last dividend declaration date. At maturity, share certificate funds will be deposited into your R.I.A. Federal Credit Union share savings account. Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends. Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance. This 25-month share certificate offer is only available for a limited time. We reserve the right to end this promotion at any time. Deposited funds must be new money to R.I.A. Federal Credit Union.

Still Have Questions?

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