MemberPlus! 12 Month Share Certificate*

For a limited time, members with a Redstone checking account can take advantage of 2.02% APY (Annual Percentage Yield) on 12 month MemberPlus! compounding share certificates.

Our 12 month MemberPlus! share certificates can be opened online or in a branch for as little as $1,000 with dividends paid quarterly.  Open yours today to take advantage of this great rate.

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

Lock in a Lower 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.

  • 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.

Call 866-256-1529, visit a branch or login to Online Banking to get started today.

 

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.

 

Must have open and active checking account to qualify for Redstone MemberPlus! Members who qualify for MemberPlus! dividend rates and annual percentage yields will receive the MemberPlus! rates. Once applied to the certificate, the MemberPlus! dividend rates and annual percentage yields will be in effect for the term of the account for fixed rate accounts. Members who do not meet these qualifications will receive the regular dividend rate and annual percentage yield. Monthly maintenance fees and minimum opening balances apply to checking accounts and vary per checking account. Restrictions apply

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 use online banking and to open share certificate online.

Non-compounding share certificate option will have dividends credited to the primary share account. 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.

*MemberPlus! 12 Month Share Certificate: The minimum balance required to open a MemberPlus Share Certificate and obtain the disclosed annual percentage yield (APY) is $1000. You must maintain this minimum balance at all times. Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.

The 2.02% APY is accurate as of 8/1/19 and the APY does not apply to regular 12 month certificates or 12 month jumbo certificates.

To qualify for the MemberPlus! dividend rates and annual percentage yields, members must have and maintain an active checking account. Members who qualify for MemberPlus! dividend rates and annual percentage yields will receive the MemberPlus! rates. Once applied to the certificate, the MemberPlus! dividend rates and annual percentage yields will be in effect for the term of the account for fixed rate accounts. Members who do not meet these qualifications will receive the regular dividend rate and annual percentage yield. Monthly maintenance fees and minimum opening balances apply to checking accounts and vary per checking account. Restrictions apply.

A penalty will be imposed for the early withdrawal of certificate principal prior to maturity date. A withdrawal could reduce earnings.

Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.

Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.

Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates.

Federally insured by NCUA.

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