Certificates

Grow your money with a certificate of deposit.

What is a Certificate of Deposit?

When you are ready to save for a few months or a few years, certificates are the solution when you are looking to earn more on your money. Certificates allow you to lock in a rate over a set period of time and typically earn more than traditional savings accounts. Now is the perfect time to open a Resource One Certificate of deposit through Video Chat, on the phone at 800-375-3674, or in a convenient branch.

Meet an Account Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Compare and Select Your Account

Save to Win®
Save and have a chance to win prizes!
Benefits
= Terms: 1 year
= Minimum to Open: $25
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Interest: Dividends paid quarterly
Reasons to Open a Save to Win
= Earn interest, save money, and have a chance to win prizes.
= You can add more money at any time, so you are not locked in at just the initial deposit.
Meet an Account Specialist by Video Chat or Call 800-375-3674

Most Popular

Regular Certificates
Variety of terms to lock in a competitive rate to earn money on your money.
Benefits
= Terms: 3 months to 5 years
= Minimum to Open: $500
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Earn more than traditional savings accounts
= Longer terms typically pay higher rates
Reasons to Open a Certificate
= Plan for a milestone like purchasing a home, paying for college, or saving for retirement.
= Earn more with your money with higher interest rates compared to traditional savings.
= Less risk and shorter-term commitments.
Meet an Account Specialist by Video Chat or Call 800-375-3674
Flex Certificates
Start the certificate with an initial deposit but add to it at any time.
Benefits
= Terms: 3 months to 2 years
= Minimum to Open: $250
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Guaranteed rate earned for the term you choose
= Start with an initial deposit and add to it as you save more money
Reasons to Open a Flex Certificate
= Start the certificate with an initial deposit at a more competitive rate than a savings account.
= Add more money to the certificate throughout the term.
Meet an Account Specialist by Video Chat or Call 800-375-3674
IRA Certificates
Invest in your future through a method that guarantees a return.
Benefits
= Terms: 3 months to 5 years
= Minimum to Open: $500
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Guaranteed rate earned for a period of time
= High-yield account with a locked-in rate
Reasons to Open an IRA Certificate
= Save for retirement with a guaranteed locked-in rate.
= Less risk than the stock market or other typical retirement investments.
Meet an Account Specialist by Video Chat or Call 800-375-3674

Most Popular

Regular Certificates
Variety of terms to lock in a competitive rate to earn money on your money.
Benefits
= Terms: 3 months to 5 years
= Minimum to Open: $500
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Earn more than traditional savings accounts
= Longer terms typically pay higher rates
Reasons to Open a Certificate
= Plan for a milestone like purchasing a home, paying for college, or saving for retirement.
= Earn more with your money with higher interest rates compared to traditional savings.
= Less risk and shorter-term commitments.
Meet an Account Specialist by Video Chat or Call 800-375-3674
Save to Win®
Save and have a chance to win prizes!
Benefits
= Terms: 1 year
= Minimum to Open: $25
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Interest: Dividends paid quarterly
Reasons to Open a Save to Win
= Earn interest, save money, and have a chance to win prizes.
= You can add more money at any time, so you are not locked in at just the initial deposit.
Meet an Account Specialist by Video Chat or Call 800-375-3674
Flex Certificates
Start the certificate with an initial deposit but add to it at any time.
Benefits
= Terms: 3 months to 2 years
= Minimum to Open: $250
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Guaranteed rate earned for the term you choose
= Start with an initial deposit and add to it as you save more money
Reasons to Open a Flex Certificate
= Start the certificate with an initial deposit at a more competitive rate than a savings account.
= Add more money to the certificate throughout the term.
Meet an Account Specialist by Video Chat or Call 800-375-3674
IRA Certificates
Invest in your future through a method that guarantees a return.
Benefits
= Terms: 3 months to 5 years
= Minimum to Open: $500
= Monthly Maintenance Fees: $0
= Transaction Limits: Penalty for early withdrawals
= Guaranteed rate earned for a period of time
= High-yield account with a locked-in rate
Reasons to Open an IRA Certificate
= Save for retirement with a guaranteed locked-in rate.
= Less risk than the stock market or other typical retirement investments.
Meet an Account Specialist by Video Chat or Call 800-375-3674

Regular Certificates

Features and Benefits

  • Minimum Opening Deposit: $500
  • Terms: 3 months – 5 years
  • Additional Deposits: You cannot deposit additional funds during the term of the certificate
  • Monthly Maintenance Fees: $0
  • Interest: Choose from monthly or quarterly dividends
  • Renewal: Automatically renews at the term selected and the rate at the time of renewal
  • Transaction Limits: All certificates are subject to a withdrawal penalty before the maturity date
  • Federally insured to at least $250,000.

Open Now with Video Chat

Regular Certificate Rates

TermRateAPY
3 months0.75%0.75%
6 months1.25%1.26%
12 months2.75%2.78%
24 months3.25%3.29%
36 months3.35%3.39%
48 months3.50%3.55%
60 months3.60%3.65%

APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. Rates as of October 01, 2022. Rates are subject to change without notice.

Save to Win® Certificate

Features and Benefits

  • Minimum Opening Deposit: $25
  • Terms: 1 year
  • Additional Deposits: Add additional funds during the term of the certificate
  • Monthly Maintenance Fees: $0
  • Interest: Quarterly dividends
  • Renewal: Automatically renews at the term selected and the rate at the time of renewal
  • Transaction Limits: All certificates are subject to a withdrawal penalty before the maturity date
  • Prize Drawing: Enter to win a monthly or quarterly prize drawing for each $25 you deposit, up to 10 entries per month
  • Federally insured to at least $250,000

Open Now with Video Chat

Requirements

  • Participation: To be an eligible participant, you must be a legal resident of Texas or participating state, be 18 years or older, and have a membership in good standing.
  • Account: The Save to Win account must be open through the end of the month to be entered into the prize drawing.
  • Withdrawals: One withdrawal is allowed per 12-month term for a $25 fee. Additional withdrawals will cause the account to close and results in the disqualification for prizes and entries.

Official account and prize entry rules and complete list of prizes that are available at www.savetowin.org. Void where prohibited by law. Inquire at Resource One Credit Union for complete terms and conditions and the official rules rules or click here to download the official rules online. Restrictions may apply; see credit union for details.

Save to Win® Certificate Rates

TermAmountRateAPY
12 months$25 - $4,999.993.25%3.29%
12 months$5,000 and above2.70%2.73%

APY= Annual Percentage Yield. The minimum balance to open a Save to Win® Certificate is $25.00. The certificate has a 12-month term. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. Rates as of October 01, 2022. Rates are subject to change without notice.

IRA Certificates

Features and Benefits

  • Minimum Opening Deposit: $500
  • Terms: 3 months – 5 years
  • Monthly Maintenance Fees: $0
  • Interest: Choose from monthly or quarterly dividends
  • Renewal: Automatically renews at the term selected and the rate at the time of renewal
  • Transaction Limits: All certificates are subject to a withdrawal penalty before the maturity date
  • Federally insured to at least $250,000

Open Now with Video Chat

IRA Certificate Rates

TermRateAPY
3 months1.20%1.21%
6 months1.60%1.61%
12 months2.95%2.98%
24 months3.45%3.49%
36 months3.55%3.60%
48 months3.70%3.75%
60 months3.80%3.85%

APY= Annual Percentage Yield. The minimum balance to open IRA Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of October 01, 2022. Rates are subject to change without notice.

Flex Certificates

Features and Benefits

  • Minimum Opening Deposit: $250
  • Terms: 3 months – 2 years
  • Additional Deposits: Add additional funds during the term of the certificate
  • Monthly Maintenance Fees: $0
  • Interest: Choose from monthly or quarterly dividends
  • Transaction Limits: All certificates are subject to a withdrawal penalty before the maturity date
  • Federally insured to at least $250,000

Open Now with Video Chat

Flex Certificate Rates

TermRateAPY
3 months0.75%0.75%
6 months1.25%1.26%
12 months2.75%2.78%
24 months3.25%3.29%

APY= Annual Percentage Yield. The minimum balance to open Flex Certificate is $250.00. Any term 3-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of October 01, 2022. Rates are subject to change without notice.

Ready to Get Started?

Virtual Branch

Ready to apply now, meet with our virtual branch staff through video chat.

Virtual Branch

Apply in Person

Visit any of our locations to start the process of your new loan.

Find a Branch

Apply by Phone

Questions? Call us anytime to speak with a specialist.

1-800-375-3674

© 2022 Resource One Credit Union. All rights reserved.

Equal Housing Logo

Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.