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.
Regular Certificates up to
3.56% APY
Meet a Specialist by calling 800-375-3674 or visiting a branch.
Save to Win®
Save and have a chance to win prizes!
Benefits
Reasons to Open a Save to Win
Meet a Specialist by calling 800-375-3674 or visiting a branch.
Most Popular
Regular Certificates
Variety of terms to lock in a competitive rate to earn money on your money.
Benefits
Reasons to Open a Certificate
Meet a Specialist by calling 800-375-3674 or visiting a branch.
IRA Certificates
Invest in your future through a method that guarantees a return.
Benefits
Reasons to Open an IRA Certificate
Meet a Specialist by calling 800-375-3674 or visiting a branch.
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: Monthly 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.
- Special Regular Certificate promotions can carry other terms; please refer to individual products
Meet a Specialist by calling 800-375-3674 or visiting a branch.
| term | rate | apy |
|---|---|---|
| 3 months | 2.25% | 2.27% |
| 6 months | 2.75% | 2.78% |
| 12 months | 3.00% | 3.04% |
| 24 months | 3.50% | 3.56% |
| 36 months | 3.45% | 3.51% |
| 48 months | 3.40% | 3.45% |
| 60 months | 3.35% | 3.40% |
|
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 July 14, 2025. Rates are subject to change without notice. |
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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: Monthly 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 every $25 in month-over-month balance increase.
- Federally insured to at least $250,000
Meet a Specialist by calling 800-375-3674 or visiting a branch.
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.
| term | rate | apy |
|---|---|---|
| 12 months | 2.90% | 2.94% |
|
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 July 14, 2025. Rates are subject to change without notice. |
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IRA Certificates
Features and Benefits
- Minimum Opening Deposit: $500
- Terms: 3 months – 5 years
- Monthly Maintenance Fees: $0
- Interest: Monthly 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
- Special Regular Certificate promotions can carry other terms; please refer to individual products
Meet a Specialist by calling 800-375-3674 or visiting a branch.
| term | rate | apy |
|---|---|---|
| 3 months | 2.50% | 2.53% |
| 6 months | 3.00% | 3.04% |
| 12 months | 3.25% | 3.30% |
| 24 months | 3.75% | 3.82% |
| 36 months | 3.70% | 3.76% |
| 48 months | 3.65% | 3.71% |
| 60 months | 3.60% | 3.66% |
|
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 July 14, 2025. Rates are subject to change without notice. |
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