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Take advantage of rising interest rates and flexible terms.
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Earn up to
3.90% APY for a limited time. Open yours online and start earning more today.
Lock in a great rate with a 6-month certificate! Earn as much as
3.90% APY for a limited time.
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Rogue Credit Union’s Bump Rate Certificate is a unique type of Certificate that allows you to take advantage of rising interest rates. If the Bump Rate Certificate’s rate increases during the term, you are allowed to increase the rate of your Bump Rate Certificate to match. You’re able to increase the rate once during the term.
The current offering is a 30-month Bump Rate Certificate as high as 3.50% APY with a $500 minimum.
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Earn a higher rate as you save for retirement with a traditional or Roth IRA Certificate! To open an IRA Certificate or explore retirement resources, meet with a team member.
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Savings Accounts and Certificates each come with their own set of benefits and drawbacks. Which account you choose to save money in should depend on your goals.
With a Rogue Savings Account, you can make deposits, withdrawals or transfers at any time. Savings Accounts also tend to have a lower APY, which is why opening a Certificate might be helpful. If you have some savings that you won't need for a while, a Certificate is a safe place to deposit your money while allowing it to grow faster due to a higher APY.
A Savings Account is a great place to save money you're actively using for transfer or withdrawals, or money you plan to use soon or in case of emergency. A Certificate is best for saving for longer-term goals with money you don't immediately need access to, such as a car you don't plan to buy for another few years.
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| Term Period | Dividend | APY | |
|---|---|---|---|
| 6 Month | 3.83% | 3.90% | |
| 12 Month | 3.83% | 3.90% | |
| 24 Month | 3.83% | 3.90% | |
| 30 Month Bump Rate | 3.45% | 3.50% | |
| 36 Month | 3.83% | 3.90% | |
| 48 Month | 3.83% | 3.90% | |
| 60 Month | 3.83% | 3.90% | |
| 72 Month | 3.83% | 3.90% | |
| Certificate | Minimum Balance | Dividend | Annual Percentage Yield* | |
|---|---|---|---|---|
| 12 Month | $100 | 3.83% | 3.90% | |
APY = Annual Percentage Yield. APY current as of February 20, 2025 and subject to change. Minimum deposit $500 to open and maintain APY. Fees may reduce earnings. Penalty will be imposed for early withdrawal. Available on Personal, Business, and IRA Certificates. Bump Rate Certificate currently features a Rate Increase Option that allows you to increase your interest rate and Annual Percentage Yield (APY) one time during the term of the certificate if our applicable interest rates increase during the certificate term. Offer subject to change without notice. Please contact us at 800.856.7328. See Certificate and IRA Rate Schedule here.
The rates appearing in this schedule are accurate and effective for Savings and Checking Accounts as of February 20, 2025. Rates may change on variable rate accounts after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please contact us at 800.856.7328.
The ATM daily withdrawal limit is $505
