IRA & Share Certificates | Red River Credit Union

Get the app

Download our app from the App Store. Download our app from the Google Play Store.
 

IRA & Share Certificates
Earn while you save.

Take advantage of our term share certificates and IRA certificates to earn monthly or quarterly dividends. Choose to have your dividends compounded into your certificate, deposited to your savings account, or mailed to you. Minimum balance to open a certificate is $500.

Rates Effective: 5/01/2024

6 Month Certificate

Earn

5.30 % APY*

12 Month Certificate

Earn

5.05 % APY*

24 Month Certificate

Earn up to

4.07 % APY*

*APY=Annual Percentage Yield. Rate subject to change without notice.

Not A Member?

Become A Member

View Member Eligibility Requirements

Current Members

Open An Additional Account

or contact us to upgrade your account today

Questions? Click here to Contact Us.

  • Share Certificate Rates

    Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. 

    Account Type

    Dividends Credited/ Compounded

    Monthly/ Quarterly
    Dividend Rate

    Monthly/ Quarterly
    APY*

    6 Month Teal Certificate(Teen Cert.)

    Monthly

    5.19 % $250 Minimum

    5.30 %

    6 Months

    Monthly/Quarterly

    5.19 %

    5.30 % / 5.29 %

    12 Months

    Monthly/Quarterly

    4.94 %

    5.05 % / 5.03 %

    18 Months

    Monthly

    4.00 %

    4.07 %

    24 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    36 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %

    48 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %

    60 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %

    Learn More

    *APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal. 

    Rates Effective: 5/01/2024

  • IRA Certificate Rates

    Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise. 

    Account Type

    Dividends Credited/ Compounded

    Monthly/ Quarterly
    Dividend Rate

    Monthly/ Quarterly
    APY*

    12 Months

    Monthly/Quarterly

    4.94 %

    5.05 % / 5.03 %

    18 Months

    Monthly

    4.00 %

    4.07 %

    24 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    36 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %

    48 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %

    60 Months

    Monthly/Quarterly

    3.75 %

    3.82 % / 3.80 %


    Learn More

      *APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal. 

    Rates Effective: 5/01/2024

Red River Member Service Group, LLC dba RRCU Financial Services is a wholly owned subsidiary of Red River Employees Federal Credit Union. Financial services and insurance products are available to credit union members and other consumers, but are not provided by or guaranteed by Red River Employees Federal Credit Union.

Proceed

Checking & Savings Options To Meet Your Financial Needs

Already a Member?

You can open an additional account online.

Open Additional Account

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Open An Account

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Already a Member?

Use your Online Banking credentials to begin the application process.

Login

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Apply as Non-Member

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Already a Member?

Use your Online Banking credentials to begin the application process.

Login

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Apply as Non-Member

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Already a Member?

Use your Online Banking credentials to begin the application process.

Login

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Apply as Non-Member

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Already a Member?

Use your Online Banking credentials to begin the application process.

Login

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Apply as Non-Member

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Already a Member?

Use your Online Banking credentials to begin the application process.

Login

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products, services, and other member benefits.

Apply as Non-Member

Skip-A-Payment

Catch a break and skip your loan payment.

Click To Skip

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.