Share Certificates
Grow a nest egg on your own terms.
When it’s time to start growing your investments, saving accounts and IRA certificates may not necessarily be the right choice for you. For safe, secure, and predictable savings, invest in Red River Credit Union’s share certificate options.
- Monthly and quarterly dividend options
- Terms ranging from six months to 60 months (5 years)
- Insured by NCUA
- Competitive APY* rates
- Unique dividend retrieval options
*APY=Annual Percentage Yield. Rate subject to change without notice.
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Share Certificate Rates
Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise.
Rates Effective: 10/28/2026
Account Type Dividends Credited/ Compounded Monthly/ Quarterly
Dividend RateMonthly/ Quarterly
APY*6 Month TEAL Certificate
(Age 13-17)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%
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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.
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IRA Certificate Rates
Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise.
Rates Effective: 10/28/2026
Account Type Dividends Credited/ Compounded Monthly/ Quarterly
Dividend RateMonthly/ 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.
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Certificate FAQs
Share Certificates FAQs
Q: What is the minimum required balance to open a share certificate?
A: All share certificates from Red River Credit Union require a minimum deposit of $500 unless otherwise indicated.Q: How will I get my dividends returned to me?
A: You have the option to have dividends compounded into your certificate holdings, deposited to your qualified savings account, or mailed directly to your address. Talk to a member services representative for additional information.Q: Can I withdraw my share certificate funds early?
A: You have an option to withdraw your share certificate funds before their maturation date with a fee. Reach out to us for more information about how this penalty could impact you.*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.