Savings/Share Account Rates
It pays to save.
Red River Employees Federal Credit Union
 | For TeensThe 6-Month TEAL Certificate for Teens (age 13-17)! TEAL is short for Teens Earning And Learning, but any member from 13 to 17 years of age can have one of these lower-deposit certificates. A minimum deposit of $250 with current dividend of 4.33% APY* compounded monthly. Stop in your local branch to give them a great start to their financial future. |
Projected Dividend Date: 12/31/2026
| Account Type | Minimum Balance | Dividend Credited/ Compounded | Dividend Rate | Annual Percent Yield |
|---|---|---|---|---|
| Regular Savings HSA Savings* ($5 Opening Balance) | $5.00 | Quarterly | 0.10% | 0.10% |
| Business Savings ($5 Opening Balance) | $5.00 | Quarterly | 0.10% | 0.10% |
| IRA Savings ($0 Opening Balance) | $0.00 | Quarterly | 3.00% | 3.00% |
| Christmas Savings ($0 Opening Balance) | $0.00 | Quarterly | 0.10% | 0.10% |
| Tax Savings ($0 Opening Balance) | $0.00 | Quarterly | 0.10% | 0.10% |
Projected Dividend Date: 11/30/2026
| Account Type | Minimum Balance | Dividend Credited/ Compounded | Dividend Rate | Annual Percent Yield |
|---|---|---|---|---|
| Varsity Club, HSA Checking*, Organizational, Non-Profit, Business Sole Proprietorship, (Checking-Ck**) ($0 Opening Balance) | $0.00 | Monthly | 0.05% | 0.05% |
| Teal Advantage ($0 Opening Balance) | $0.00 | Monthly | 0.05% | 0.05% |
Money Market ($2,500 Opening Balance) | $2,500 - $99,999.99 $100,000 - $249,999.99 $250,000+ | Monthly | 2.60% 2.75% 2.90% | 2.60% 2.75% 2.90% |
Business Money Market ($2,500 Opening Balance) | $2,500 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000 + | Monthly | 2.60% 2.75% 2.90% 3.10% | 2.60% 2.75% 2.90% 3.10% |
| Consumer and Business High Yield Money Market (Accurate as of 09/17/2026) | $20,000 | Monthly | 3.50% | 3.50% |
All rates are based on a Daily Balances.
* HSA No Longer Available as of 09/14/2026
** No Longer Available as of 08/01/2016
Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise.
Rates Effective: 11/11/2026
| Account Type | Dividends Credited/ Compounded | Monthly/ Quarterly Dividend Rate | Monthly/ Quarterly APY* |
|---|---|---|---|
6 Month TEAL Certificate | Monthly | 4.25% ($250 Minimum) | 4.33% |
6 Months | Monthly/Quarterly | 4.25% | 4.33%/4.32% |
12 Months | Monthly/Quarterly | 4.25% | 4.33%/4.32% |
18 Months | Monthly | 4.25% | 4.33% |
24 Months | Monthly/Quarterly | 4.25% | 4.33%/4.32% |
36 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
48 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
60 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.
Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise.
Rates Effective: 11/11/2026
| Account Type | Dividends Credited/ Compounded | Monthly/ Quarterly Dividend Rate | Monthly/ Quarterly APY* |
|---|---|---|---|
12 Months | Monthly/Quarterly | 4.25% | 4.33%/4.32% |
18 Months | Monthly | 4.25% | 4.33% |
24 Months | Monthly/Quarterly | 4.25% | 4.33%/4.32% |
36 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
48 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
60 Months | Monthly/Quarterly | 3.75% | 3.82%/3.80% |
*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.
*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.