Source: https://www.rbfcu.org/banking/savings-account/certificates
Read: 2026-10-22T10:25:53.000Z

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Share Certificate Accounts
Share Certificate accounts earn higher yields than standard savings accounts for a set term.
Choose the Share Certificate account that’s right for you. With terms from six months to seven years, we offer the flexibility you need to meet your personal savings goals.
Open a Share Certificate account
The Annual Percentage Yield is current as of: 10/22/2026
SuperSaver Certificate
18 month
View Details
3.75
%
APY
STARTING AT
$1,000.00
SuperSaver Certificate
18 month
View Details
3.79
%
APY
STARTING AT
$5,000.00
SuperSaver Certificate
18 month
View Details
3.86
%
APY
STARTING AT
$20,000.00
SuperSaver Certificate
18 month
View Details
3.91
%
APY
STARTING AT
$75,000.00
Certificate
6-11 month
View Details
3.65
%
APY
STARTING AT
$1,000.00
Certificate
12-23 month*
View Details
3.70
%
APY
STARTING AT
$1,000.00
Certificate
24-35 month
View Details
3.70
%
APY
STARTING AT
$1,000.00
Certificate
36-47 month
View Details
3.60
%
APY
STARTING AT
$1,000.00
Certificate
48-59 month
View Details
3.51
%
APY
STARTING AT
$1,000.00
Certificate
60-71 month
View Details
3.51
%
APY
STARTING AT
$1,000.00
Certificate
72-83 month
View Details
3.45
%
APY
STARTING AT
$1,000.00
Certificate
84 month
View Details
3.36
%
APY
STARTING AT
$1,000.00
Open a Share Certificate account
APY means Annual Percentage Yield. The APY for certificates assumes dividends are added back to the certificate.
Membership eligibility required. Subject to change without notice. Additional restrictions may apply. Minimum initial deposit and minimum balance is $1,000. Early withdrawal penalties will be imposed for early withdrawal. SuperSaver 18-month Certificate is available for consumer accounts and does not apply to business accounts.
*Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
Share Certificate accounts benefits and features:
Minimum deposit to open account and earn stated APY: $1,000
Automatic renewal on maturity
Higher dividends allow you to earn higher yields on your savings
Dividends can be compounded or paid to RBFCU checking, savings or Money Market accounts
Open a Share Certificate account
Early withdrawal
Certificates are a solid investment and the funds should stay in your account until the account matures or reaches the completion of the investment term. If you close your certificate account before the completion of the term, you may incur an early withdrawal penalty.
Is a Certificate the same as a CD?
Share Certificates and Certificates of Deposit, or CDs, are two names for similar long-term savings accounts, but there are some differences.
Credit unions, like RBFCU, may offer Share Certificates, which are dividend-bearing accounts. Savings placed in Share Certificates are equity investments, and the returns earned on these accounts are dividends. Because of NCUA Truth in Savings rules, you may also see credit unions call these accounts “Share Certificate Accounts,” “Certificate Accounts” or just “Certificates.”
Banks may offer CDs, which are interest-bearing accounts.
Risk-free investment
Fixed rates throughout the term
Insured up to $250,000 per member by the National Credit Union Administration (NCUA)
Earn higher dividends
Rates are dependent on the term length of your certificate.
Rates increase with longer terms
Compounding
The dividend rate is calculated on your original amount invested plus the dividends that have accumulated.
Compounds monthly when paid to certificate account
Or, you have the option to have dividends paid to your RBFCU checking, savings or Money Market accounts instead
Open a Share Certificate account
Learn More About RBFCU’s Savings Options
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Certificates Calculators
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Certificate FAQs
What is a Share Certificate account?
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What are the benefits of a Share Certificate account?
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Is there a penalty for an early withdrawal on an IRA certificate?
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What is a SuperSaver Certificate?
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Can a certificate or SuperSaver Certificate have joint owners?
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Rates and terms are subject to change without prior notice; other restrictions may apply. Fees could reduce the earnings on the account. Visit rbfcu.org/rates for the most current rate information, or call 1-800-580-3300.
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