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
4.18% APY
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.
Regular Certificate Rates
| Term | Rate | APY |
| 3 months | 3.00% | 3.04% |
| 6 months | 3.25% | 3.30% |
| 12 months | 4.35% | 4.44% |
| 24 months | 4.40% | 4.49% |
| 36 months | 3.90% | 3.97% |
| 48 months | 4.00% | 4.07% |
| 60 months | 4.10% | 4.18% |
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 February 03, 2023. 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
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 | 4.40% | 4.49% |
| 12 months | $5,000.00 and above | 4.35% | 4.44% |
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 February 03, 2023. 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
IRA Certificate Rates
| Term | Rate | APY |
| 3 months | 3.25% | 3.30% |
| 6 months | 3.50% | 3.56% |
| 12 months | 4.60% | 4.70% |
| 24 months | 4.65% | 4.75% |
| 36 months | 4.15% | 4.23% |
| 48 months | 4.25% | 4.33% |
| 60 months | 4.50% | 4.59% |
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 February 03, 2023. 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
Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 3.00% | 3.04% |
| 6 months | 3.25% | 3.30% |
| 12 months | 4.35% | 4.44% |
| 24 months | 4.40% | 4.49% |
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 February 03, 2023. Rates are subject to change without notice.
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Questions? Call us anytime to speak with a specialist.1-800-375-3674
