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Certificates and IRA’s

They say time is money. With Resource One’s Certificates of Deposit (CD’s) and IRA Certificates, investing a little bit of time can help you make the most of your money. In addition to Individual Retirement Account (IRA) Certificates, we offer a variety of terms with highly competitive dividends.

Get Started!

Looking for some of the best rates around with a guaranteed return for your hard earned money? Smart move.

or Call 800-375-3674

Resource One CD and IRA Accounts

Let us help you make the most of your money. By investing your money into a fixed rate CD or IRA you can guarantee you are earning competitive dividends.

Benefits Include

  • Dividends earned on balances
  • A variety of terms to fit your needs
  • Ability to customize and structure your CD or IRA to make the most of your money
  • Federally insured by NCUA to at least $250,000

5 Reasons to Open a CD or IRA Account

  1. Earn interest on your funds
  2. Locked in funds
  3. Build money for your future by investing
  4. Flexible terms that fit your needs
  5. Low risk investment

Regular Certificates of Deposits (CDs)

Features and Benefits

Seeking another low-risk financial investment to build up your savings? Then consider a Certificate or IRA from Resource One and watch your money grow.

With terms between 3 months and 5 years, this high-yield account allows you to lock in your rate of return for depositing a minimum of $500 for a regular certificate and $1,000 for an IRA Certificate. Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit: Regular CD: $500
  • Monthly Maintenance Fees: $0
  • Terms: 3 – 60 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.
To open call 800-375-3674

Regular CD Rates

TermRateAPY
3 months0.20%0.20%
6 months0.40%0.40%
12 months0.65%0.65%
18 months0.85%0.85%
24 months1.19%1.20%
30 months1.49%1.50%
36 months1.69%1.70%
48 months1.88%1.90%
60 months2.28%2.30%

APY= Annual Percentage Yield. Minimum balance to open Regular CD $500. 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 February 25, 2018. Rates are subject to change without notice.

Estimate Your Earnings

Jumbo Certificates of Deposits (CDs) and IRAs

Features and Benefits

Consider a Certificate or IRA from Resource One and watch your money grow.

Jumbo CDs and IRAs offer terms between 3 months and 5 years. This high-yield account allows you to lock in your rate of return for depositing a minimum of $90,000 for a jumbo certificate and $1,000 for an IRA Certificate. Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit:
    • Jumbo CD: $90,000
    • IRA: $1,000
  • Monthly Maintenance Fees: $0
  • Terms: 3 – 60 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.
To open call 800-375-3674

Jumbo CD and IRA Rates

TermRateAPY
3 months0.30%0.30%
6 months0.50%0.50%
12 months0.75%0.75%
18 months0.95%0.95%
24 months1.29%1.30%
30 months1.59%1.60%
36 months1.79%1.80%
48 months1.98%2.00%
60 months2.38%2.41%

APY= Annual Percentage Yield. Minimum balance to open Jumbo CD $90,000. Minimum balance to open IRA $500. 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 February 25, 2018. Rates are subject to change without notice.

Flex Certificates of Deposits (CDs)

Features and Benefits

Make even more money with a Certificate of Deposit offering higher interest rates than a regular savings account. Minimum deposit is $250, and you can pick a flexible term from 30 days to two years. You can add money to the Share Certificate at any time, increasing your balance with each deposit! Your funds are federally insured to at least $250,000.

  • Minimum Opening Deposit: $250
  • Monthly Maintenance Fees: $0
  • Terms: 1 – 24 months
  • Transaction Limits: All CDs and IRAs are subject to a penalty for early withdrawal and fees may reduce earnings.
  • Federally insured up to at least $250,000.
To open call 800-375-3674

Flex CD Rates

TermRateAPY
3 months0.20%0.20%
6 months0.40%0.40%
12 months0.65%0.65%
18 months0.85%0.85%
24 months1.19%1.20%

APY= Annual Percentage Yield. Minimum balance to open Flex CD $250. Any term 1-24 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 February 25, 2018. Rates are subject to change without notice.

Included Features and Benefits

All of our CD and IRA accounts come with a variety of standard features and benefits.

Online Banking

From paying bills to transferring money, you can do what you want, when you want with Resource One's Online Banking.

Online Banking

Mobile Banking

Access your account information on the go with Resource One's mobile apps. Available for Android and iPhones.

Mobile Apps

My Money Manager

Use My Money Manager to manage all of your accounts in one place. Track your spending, set goals and more!

My Money Manager

eStatements

Why wait for the mail when you can receive your statements electronically? eStatements are at your fingertips on the first day of every month, they're safer and more secure than traditional mailings, and they're free.

eStatements

Mobile Deposit

If you can take a picture, you can deposit your check. Seriously. Deposit checks anytime, anywhere, simply by snapping a photo with your smartphone or tablet.

Mobile Deposit

eAlerts

Monitor your account 24/7 by creating customized text and email alerts. These alerts can be based on balances, approvals, transactions and more.

eAlerts

Ready to Get Started?

Apply By Phone

Questions? Call us any time to speak with a member service representative.

CALL 800-375-3674

Apply in Person

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

Auto Loans APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. Offer applies to consumer loans only; commercial vehicles and commercial loans do not qualify. All loans subject to approval. Restrictions may apply; see credit union for details.

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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.