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
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Most Popular
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 | 0.75% | 0.75% |
| 6 months | 1.25% | 1.26% |
| 12 months | 2.75% | 2.78% |
| 24 months | 3.25% | 3.29% |
| 36 months | 3.35% | 3.39% |
| 48 months | 3.50% | 3.55% |
| 60 months | 3.60% | 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
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 - $4,999.99 | 3.25% | 3.29% |
| 12 months | $5,000 and above | 2.70% | 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
IRA Certificate Rates
| Term | Rate | APY |
| 3 months | 1.20% | 1.21% |
| 6 months | 1.60% | 1.61% |
| 12 months | 2.95% | 2.98% |
| 24 months | 3.45% | 3.49% |
| 36 months | 3.55% | 3.60% |
| 48 months | 3.70% | 3.75% |
| 60 months | 3.80% | 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
Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 0.75% | 0.75% |
| 6 months | 1.25% | 1.26% |
| 12 months | 2.75% | 2.78% |
| 24 months | 3.25% | 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.
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