Share Certificate & IRA Certificate (CD) Interest Rates ($1,000.00-$9,999.99)* APR % APY %
12 Months .50% .5011%
18 Months .60% .6017%
24 Months .80% .8031%
Current Share Rate (Declared Quarterly) .25% .2502%
* All share certificates (CDs) are federally insured by NCUA up to $250,000
* Effective January 1, 2020
Share Certificate & IRA Certificate (CD) Interest Rates ($10,000.00-$49,999.99)* APR % APY %
12 Months 1.00% 1.004%
18 Months 1.30% 1.308%
24 Months 1.50% 1.511%
Current Share Rate (Declared Quarterly) .25% .2502%
* All share certificates (CDs) are federally insured by NCUA up to $250,000
* Effective January 1, 2020
Share Certificate & IRA Certificate (CD) Interest Rates ($50,000.00+)* APR % APY %
12 Months 1.75% 1.764%
18 Months 1.85% 1.866%
24 Months 1.95% 1.968%
Current Share Rate (Declared Quarterly) .25% .2502%
* All share certificates (CDs) are federally insured by NCUA up to $250,000
* Effective January 1, 2020
*APY is the Annual Percentage Yield. Lowest APR is determined by members
Credit Score and by current special offers.
All rates are subject to change.
Please call RFCU for current rates or questions.

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