Share Certificates

 Member's Choice Certificates

Member's Choice share certificates help you earn higher dividends! If the annual percentage yield (APY) goes higher than when you opened it, you have the option to change it.

  • 36, 48, 60, 72, 84, and longer month terms available with higher dividend rates for Redstone MemberPlus!* ($1,000 minimum opening balance)
  • Change your rate any time after the first 90 days, then once every 365 days thereafter
  • Choose which type of share certificate works best for your lifestyle, depending on how you want to use your dividends:

Ideal for people who want to invest but need cash flow throughout the certificate term.

Ideal for people who want to invest and have dividends remain in the share certificate.

Dividends are deposited to your primary savings account quarterly, so you have access to the earnings.

Dividends are added to the principal and accrue as the certificate matures.

View current rates here. Open and maintain your share certificate through online banking or by visiting any branch location.

Share Certificates

Redstone Federal Credit Union® members enjoy higher dividend rates on some Share Certificates with a variety of terms available.

Both compounding and non-compounding certificates are available. The minimum balance for most certificates is $1,000 and jumbo certificates require a $100,000 minimum balance - there really is a certificate for everyone!

Why should I choose RFCU for my Certificates?

  • Variety of terms available
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 48 months
    • 60 months
  • Great dividend rates
  • Options for dividends: regular certificates pay quarterly, jumbo certificates pay monthly

Already a member and want to open a certificate? It's easy to do inside your online banking account.

Ready to join RFCU® and open a certificate? See how easy membership can be.


Redstone's 36+ month Member’s Choice Share Certificates have better rates than banks’ CDs. Visit a branch to learn how to make your money work for you!

Must be eligible for membership and open a share saving account in order to join RFCU and obtain a share certificate. Minimum balance of $5.00 is required to open and be maintained in share savings account. Fees and other restrictions may apply. Fees and other conditions could reduce earnings on account. A penalty will be imposed for early withdrawal of principal prior to maturity.

Member’s Choice Certificates are available for a limited time only. Rates, terms, and conditions are subject to change at any time. Minimum balance required to open, maintain the regular certificate account, and earn the APY is $1000. Minimum balance required to open and maintain the jumbo certificate account and earn the APY is $100,000. Option to open multiple Member's Choice Certificates is available. Member’s Choice Certificates are not available as jumbo certificates. Must have online banking username and PIN/password to open share certificate online.

Non-compounding share certificate option will have dividends credited to the primary share account. Dividends cannot remain on a non-compounding share certificate. The payout of dividends is mandatory.

After 90 days from Member’s Choice certificate opening date, members may request a change to current dividend rate applicable to that certificate term. Future rate changes may be requested every 365 days after the last rate change to certificate. RFCU cannot guarantee future increases of certificate rates. Rate change request must be initiated by the member, either in writing or by telephone call.

*Must have open and active checking account to qualify for Redstone MemberPlus! dividend rates. Refer to the Rates web page and the Share Certificate Account Rate Sheet for current dividend rates and APYs.

Have you considered a Laddering Strategy?

Reap the higher dividends of certificates while maintaining liquidity for easy access to your cash.  Learn how Certificate Laddering works.

Certificate Laddering Strategy: See how it works

Calculate Your Earnings

Find out how much you can earn with our Certificate Analyzer and Certificate Laddering Calculator.

Share Certificate Calculators

Become a Member

Learn how easy it is to join Redstone! Could be through your work, church or even a family member.

Learn More


Open a checking account and you can start enjoying MemberPlus! benefits like lower rates on loans, higher rates on share accounts and discounted fees. Take a look at the benefits of our checking accounts today!

Learn More

Can't find what you're looking for?

Telephone our Member Connect
Center at 800-234-1234
Monday – Friday: 7 am – 7 pm
Saturday: 8 am – 5 pm