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

6.17% 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

  • 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 a Specialist by calling 800-375-3674 or visiting a branch.

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 a Specialist by calling 800-375-3674 or visiting a branch.

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 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

  • 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 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.

Regular Certificate Rates

term rate apy
3 months 2.50% 2.53%
6 months 3.00% 3.04%
12 months 6.00% 6.17%
24 months 3.75% 3.82%
36 months 3.90% 3.97%
48 months 4.25% 4.33%
60 months 4.35% 4.44%

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 March 01, 2024. 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: 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.

Save to Win® Certificate Rates

term amount rate apy
12 months $25.00 - $4,999.99 3.75% 3.82%
12 months $5,000.00 and above 6.00% 6.17%

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 March 01, 2024. 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: 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.

IRA Certificate Rates

term rate apy
3 months 2.75% 2.78%
6 months 3.25% 3.30%
12 months 6.25% 6.43%
24 months 4.00% 4.07%
36 months 4.15% 4.23%
48 months 4.50% 4.59%
60 months 4.60% 4.70%

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 March 01, 2024. 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: Monthly dividends
  • Transaction Limits: All certificates are subject to a withdrawal penalty before the maturity date
  • Federally insured to at least $250,000

Meet a Specialist by calling 800-375-3674 or visiting a branch.

Flex Certificate Rates

term rate apy
3 months 2.50% 2.53%
6 months 3.00% 3.04%
12 months 6.00% 6.17%
24 months 3.75% 3.82%

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 March 01, 2024. Rates are subject to change without notice.

Ready to Get Started?