12-MONTH CERTIFICATE âś“ No minimum opening balance âś“ Guaranteed returns at maturity âś“ Locked-in rate rcu.org/CertSaving Insured by NCUA. *APY = Annual Percentage Yield. APY is current as of 09/29/2025. Last changed on 09/29/2025. No minimum balance required to open account or earn APY. Rates subject to change at any time without notice. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Penalties could reduce the earnings and principal on the account. Membership required and account opening upon qualification. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information. 174417_2 12-MONTH CERTIFICATE âś“ No minimum opening balance âś“ Guaranteed returns at maturity âś“ Locked-in rate rcu.org/CertSaving Insured by NCUA. *APY = Annual Percentage Yield. APY is current as of 09/29/2025. Last changed on 09/29/2025. No minimum balance required to open account or earn APY. Rates subject to change at any time without notice. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Penalties could reduce the earnings and principal on the account. Membership required and account opening upon qualification. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information. 174417_2
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