Savings isn't easy these days. The RGFCU offers a variety of savings programs for you to chose from to help best fit your saving needs. Dividends are paid on all savings accounts from date of deposit to the date of withdrawal.

Regular Share Account
You have immediate access to your money and can earn up to .50% APY.

Young Savers Clubs
For our young members birth to 16 years of age. A $25 balance is required to keep this account active

CHEF (Children's Higher Education Fund Accounts)
Designed to help you save for the rising costs of a college education for yourself or your child. Because of the benefit of a higher dividend rate, it is meant to be a long term savings plan, not a daily transaction account. A $100 balance is required to keep this account active.

Specialty Savings Accounts - Tax Reserve, Vacation, Christmas Club
These accounts are designed to help you save for upcoming expenses, like Income Tax, Property Tax and Christmas.

Share Certificates
• 6 Month
• 1 Year
• 2-Year Bump Up
• 3-Year Bump Up

Click Here for Current Certificate Rates

Purchase certificates in the amounts of $1000 or more and lock in the rate in effect at that time. No set-up fee is required. There will be a penalty for early withdrawal.

IRA's
IRA's remain the smart, simple way to save for retirement later - and on taxes today. Here's why:
• There is no income tax on IRA earnings until withdrawal.
• Your RGFCU IRA is fully insured up to $250,000.
• Your contribution to an IRA may be fully or partially deductible.
• There is no set-up charge and no annual fee.

If you wish, we can arrange payroll deduction or automatic transfer of funds into your IRA from your accounts here or from other financial institutions.

Money Market
The Money Market account is a tiered-rate account earning members' higher dividend rates as balances increase. Minimum
balance of $5,000 to earn 3.03% APY on your entire balance. Should balance drop below $5000 no dividend is paid.

•Balances of $5,000 or more" = 3.00% Dividend Rate / 3.03% APY
•Balances of $25,000 or more" = 3.75% Dividend Rate / 3.80% APY

Please change the above to be:   = Balances of $5,000 or more" = 2.25% Dividend Rate / 2.27% APY
Balances of $25,000 or more" = 3.00% Dividend Rate / 3.03% APY

Click Here for Current Savings Rates.