Certificates
Earn a higher dividend on your savings with a Rogue Credit Union Certificate. With a Certificate, you deposit your savings for a fixed term of 6-72 months and earn a higher APY* than our standard Savings Accounts. The more you save, the more dividends you'll earn!
- No fees
- Minimum deposit of $100; no maximum deposit
- Dividends compound monthly
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Special Offer – 12-Month Certificate as high as 4.85% APY*
Wherever your dreams take you, give your savings a boost with a 12-month Certificate! Secure a rate as high as 4.85% APY* for 12 months, then optionally roll over to a standard 12-month Certificate at the end of the term. Available for Consumer, Consumer IRA, and Business Certificates.
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Special Offer – No-Penalty 6-Month Certificate
Lock in a great rate with a no-penalty Certificate! For a limited time, open a 6-month Certificate and earn as high as 4.21% APY.* If you need to withdraw funds early, you can do so once during the term with no penalty.*
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Bump Rate Certificate
Rogue Credit Union’s Bump Rate Certificate is a unique type of Certificate that allows you to take advantage of rising interest rates. If the Bump Rate Certificate’s rate increases during the term, you are allowed to increase the rate of your Bump Rate Certificate to match. You’re able to increase the rate once during the term.
The current offering is a 30-month Bump Rate Certificate as high as 3.45% APY* with a $500 minimum.
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IRA Certificates
Earn a higher rate as you save for retirement with a traditional or Roth IRA Certificate! To open an IRA Certificate or explore retirement resources, meet with a team member.
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Savings Account vs. Certificate
Savings Accounts and Certificates each come with their own set of benefits and drawbacks. Which account you choose to save money in should depend on your goals.
With a Rogue Savings Account, you can make deposits, withdrawals or transfers at any time. Savings Accounts also tend to have a lower APY, which is why opening a Certificate might be helpful. If you have some savings that you won't need for a while, a Certificate is a safe place to deposit your money while allowing it to grow faster due to a higher APY.
A Savings Account is a great place to save money you're actively using for transfer or withdrawals, or money you plan to use soon or in case of emergency. A Certificate is best for saving for longer-term goals with money you don't immediately need access to, such as a car you don't plan to buy for another few years.
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