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Take advantage of great interest rates and flexible terms
Make a deposit 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!
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Earn up to
3.90% APY* on 24-Month Certificates for a limited time. Open yours online and start earning more today.
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Rogue Credit Union’s Bump Rate Certificate is a unique type of certificate that allows you to take advantage of rising interest rates. If your Bump Rate Certificate’s rate increases during its term, you can increase your certificate’s rate to match. You can increase the rate once during the term.
Currently, you can open a 30-month Bump Rate Certificate earning up to 3.50% APY with a $500 minimum.
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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 accounts and certificates each have their own set of benefits and drawbacks. The account that’s best for you depends 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 that you're actively using for transfers or withdrawals, or money that you plan to use soon or in case of emergency. A certificate is best for saving money that you don't immediately need access to, or that you might use for long-term goals like buying a car or making a down payment on a home.
| Term Period | Dividend | APY | |
|---|---|---|---|
| 6 Month | 3.74% | 3.80% | |
| 12 Month | 3.74% | 3.80% | |
| 24 Month | 3.83% | 3.90% | |
| 30 Month Bump Rate | 3.45% | 3.50% | |
| 36 Month | 3.83% | 3.90% | |
| 48 Month | 3.83% | 3.90% | |
| 60 Month | 3.83% | 3.90% | |
| 72 Month | 3.83% | 3.90% | |
| Certificate | Minimum Balance | Dividend | Annual Percentage Yield* | |
|---|---|---|---|---|
| 12 Month | $100 | 3.74% | 3.80% | |
APY = Annual Percentage Yield. APY current as of March 25, 2025 and is subject to change. Minimum deposit $500 to open and maintain APY. Fees may reduce earnings. Penalty will be imposed for early withdrawal. Available on Personal, Business, and IRA Certificates. Bump Rate Certificate currently features a Rate Increase Option that allows you to increase your interest rate and Annual Percentage Yield (APY) one time during the term of the certificate if our applicable interest rates increase during the certificate term. Offer subject to change without notice. Please contact us at 800.856.7328. See Certificate and IRA Rate Schedule here.
The rates appearing in this schedule are accurate and effective for Savings and Checking Accounts as of March 25, 2025. Rates may change on variable rate accounts after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please contact us at 800.856.7328.
The ATM daily withdrawal limit is $505
