Safely Grow Your Money with a Share Certificate
Share Certificate Terms & Rates
| Term | Minimum Balance | Dividend Frequency | Dividend Rate | APY |
|---|---|---|---|---|
| 91 Days | $500 | Maturity | .20%8 | .20%8 |
| 6 Months | $500 | Monthly | 4.70%8 | 4.80%8 |
| 9 Months | $500 | Monthly | 4.00%8 | 4.07%8 |
| 12 Months | $500 | Monthly | 2.50%8 | 2.53%8 |
| 18 Months | $500 | Monthly | 2.50%8 | 2.53%8 |
| 24 Months | $500 | Quarterly | 2.25%8 | 2.27%8 |
| 36 Months | $500 | Quarterly | 1.75%8 | 1.76%8 |
| 60 Months | $1,000 | Quarterly | 1.90%8 | 1.91%8 |
| Term | Minimum Balance | Dividend Frequency | Dividend Rate | APY |
|---|---|---|---|---|
| Variable* | $5 | Monthly | .25%8 | .25%8 |
| 12 Months | $500 | Quarterly | 2.50%8 | 2.52%8 |
| 24 Months | $500 | Quarterly | 2.25%8 | 2.27%8 |
| 36 Months | $500 | Quarterly | 1.75%8 | 1.76%8 |
| 60 Months | $1000 | Quarterly | 1.90%8 | 1.91%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
Share Certificate FAQ
You have questions. We have answers. See below for a list of our most frequently asked questions about our share certificates.
There is a minimum deposit of $500 to open a share certificate account, and a $500 daily balance required to earn dividends.
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 9/21/2024; 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 $250,000 in insurance by NCUA.
- Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.
Still Have Questions?
Get Started
Ready to put your money to work? It’s quick and easy to get started with our online application.