Earn higher dividens with a Member's Choice Certificate that lets you change your rate!

Our Member's Choice Certificate gives you a variety of terms and the flexibility to change your rate.

Lock in a Higher Rate Once a YearMember'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.

  • Redstone's rates beat the banks' CD rates on 36-month and 48-month certificates.*
  • Certificate terms are available for 36, 48, 60, 72, 84 months and longer with higher dividend rates for Redstone MemberPlus!**
  • Change your rate anytime after the first 90 days, then once every 365 days thereafter.
  • If rates go up, change your rate; if rates go down, keep your higher rate.

Visit a branch or Open a Certificate ***

 

In addition to Member's Choice, Redstone offers a variety of other options for Share Certificates, with terms from 6 months to 144 months.

Share Certificates

Choose which type of share certificate works best for your lifestyle,
depending on how you want to use your dividends:

Non-compounding


If you want to invest, but need cashflow throughout the certificate term, the non-compounding certificate is the best choice for you. Dividends are deposited into your primary savings account monthly or quarterly, so you have access to the earnings.

Compounding


If you want to invest and have dividends remain in the share certificate, the compounding choice is your best option. Dividends are added to the principal and accrue as the certificate matures.

 

* Based on a third-party comparison of area banks, as of December 12, 2017.

** Must have open and active checking account to qualify for Redstone MemberPlus!

*** Open your share certificate through online banking by selecting "Open an Account" under the "Additional Services" tab or by visiting any branch location and speaking with one of our team members. You can also maintain your account in "My Certificate Maintenance" under "Additional Services" or with assistance at one of our branches.

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.

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

FEATURED RATES

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30-year fixed mortgage low 3.375% / 3.501%

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New auto loans as low as 2.35%

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Personal loans as low as 9.99% APR

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