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Regular Savings:
A share savings account is the basic account needed to establish your credit union membership. By maintaining your share savings account, you have access to all other credit union products and services, and earn a higher dividend rate than paid by most other financial institutions.

A share savings account with RFCU can be opened and maintained with as little as $5.00 and carries no monthly fees. (Minimum balance of $100.00 required to earn dividends; dividends are paid quarterly.) For current saving rates, click here.


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Share Savings
BB & T SunTrust Wells Fargo Bank of America
Rate .10% APR,
.10% APY
.05% .01% .01% .01%
Min Opening Deposit $5.00 $0 $100 $100 $25
Min Bal to Earn Div $100.00 $0 $0 $0 $0
Min Bal to Avoid Fees $0 $0 $300 $300 $300
Comments/Fees No
Available only by opening online $4 per w/d over 2
$4 / mth if bal is <$300
$5 if bal <$300 $3 per w/d over 3
$5 if bal <$300
*$3 per w/d if bal is <$2500


Club Accounts:
Saving for the holidays and vacations are easy. With a RESOURCES FCU Club Account, you can save a little at a time all year long using a variety of deposit methods. (Minimum balance of $100.00 required to earn dividends; dividends are paid quarterly.)


Share Certificates:
An RFCU Share Certificate is a great service to utilize when you have funds perhaps you might not need for a while and would like to gain a higher rate of return than a traditional share savings account. Plus, share certificates offer a guaranteed rate of return so you can be certain that what you put in is what you get back - plus dividends for your term! One of the safest deposit choices available, share certificates are also included in the $250,000 insurance coverage provided by the NCUA. Additional .25% on all CDs with new checking account with debit card.

RFCU offers several terms and minimum deposit levels to fit members’ needs: Minimum opening deposit amounts begin at $1,000.00 and terms begin at 3-months. Dividend rates are updated regularly, so be sure and visit our Rates page for the most recent posting.


Money Market Share Accounts:
Let's face it - your savings is the backbone of your financial plan, your source of funds in time of need, and your nest egg that grows with you to provide for the future. At RFCU, we strive to provide our members with the best options to enable their savings to accomplish these goals - and more. One of those options is the RFCU Money Market Share Account (MMSA). As a tiered, rate sensitive product, the MMSA is designed to offer members an additional savings vehicle to meet their unique goals and timeframes.

RFCU MMSA's are available in the following tiers:

$2,000.00 - $19,999.00
$20,000.00 - $74,999.00
$75,000.00 & Above
Over $250,000.00

Family Membership:
And, remember, once you have an account with RFCU, your family can, too! Credit union membership is one of the best gifts you can give your family members. (Spouse, mother, father, brother, sister, children, step-children, grandchildren, and grandparents are eligible).


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Regular Savings
  Dare To Compare
  Club Accounts
  Share Certificates
  Money Market
  Family Membership
Note: For Savings and Money Market Savings Accounts, no more than six (6) pre-authorized automatic or telephone transfers made be made from these accounts to another account of yours or to a third party in any month. For more information about this exciting new savings program at RFCU, contact the credit union at (804) 281-6341.

This credit union is federally insured by the National Credit Union Administration.
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