Deposit Accounts

Share/Savings Account

Our Savings Account allows you to save money at a competitive rate. With just a small $5.00 deposit, you can open an account and begin taking advantage of all the other benefits of membership.

Make deposits through Payroll Deduction, Direct Deposit, by mail, in person, or using our Mobile App's Deposit feature
Make withdrawals easily by mail, transfer, or in person - to request a check: call us, use RCCU Online, our Mobile App, or PAL
Funds can be transfered to your credit union Checking Account for quick access
 

Checking Account

By having a credit union Checking Account, you will have access to all your funds immediately. A credit union Checking Account is convenient and saves you money.

Check out the benefits of our account:

Free checking (no monthly fees)
No per-check charge
No minimum balance required
Monthly statements
Direct Deposit
Debit Card
Free ATM networks
Overdraft Protection
Unlimited withdrawals
 

Money Market Account

This account acts as another Savings Account that allows you to earn a higher yield. RCCU pays you to save at the credit union. Open this account with any amount of deposit.

Here is how it works:

$2,500.00 minimum balance to earn dividends
Dividends compounded and credited monthly
Unlimited deposits
Three withdrawals/transfers monthly
May be payroll deducted
 

Certificates

The credit union offers both short and long-term Certificates with competitive rates to help you meet your savings goals. Dividends accrue daily and are paid quarterly.

Benefits:

Fixed rate Share Certificates are available with 3, 6, 12, 18, 24, 36, 48 and 60 month terms
$1,000.00 minimum deposit
Dividends accrue daily
Dividends are paid quarterly
Funds insured up to $250,000.00
 

IRAs

An Individual Retirement Account (IRA) is a personal, tax-deferred savings plan that is a great way to save for retirement. A credit union IRA doesn't cost anything, in fact, it pays you. Your money earns dividends, so for every dollar you deposit, you get your dollar plus interest in return, and your contributions may be tax-deductible (consult your tax advisor).

Your credit union offers two types of IRAs: the Traditional IRA and the Roth IRA. Both Daily IRAs and IRA Certificates are available.

Benefits:

Fixed rate certificates are available with 12, 18, 24, 36, 48 and 60 month terms
$1,000.00 minimum deposit
Dividends accrue daily
Dividends are paid quarterly
Funds insured up to $250,000.00
 

Holiday/Vacation Club

Saving for a vacation or Christmas can be easy with a Club Account.

No minimum balance
Convenient Payroll Deduction
 

Children’s Accounts

Genesis Accounts

The Genesis Club is designed for children ages 13 to 17. The purpose of this club is to provide young members with credit union benefits and services that fit their needs. Many are getting their first jobs, first cars or are heading off to college. RCCU is here to assist these young members in taking these "first" steps.

Benefits:

$100.00 minimum balance to earn dividends
Checking Accounts and limited credit available
 

Captain Cash Kid's Club

The Captain Cash Kid’s Club is designed for children 12 and under. Children need to begin learning the importance of saving money at a very early age. The Captain Cash Kid’s Club offers a fun and educational way for your child to learn about money. This account can be opened with a minimum deposit of $5 and requires no minimum balance to earn dividends. Special certificates are available with a $250.00 minimum deposit.

Benefits:

$5.00 minimum balance to open account
No minimum balance required to earn dividends
Special Certificates available with a $250.00 minimum deposit