Our branches and call center will be closed Wednesday, November 11, in observance of Veterans Day. Due to this, early direct deposits will post on Thursday, November 12. Online and Mobile Banking are available 24/7. We appreciate your understanding and wish you a restful holiday as we honor those who served.

Your Ownership Account

Ownership Account

Every membership begins with a high-yield Ownership Account. This account is our way to give back to YOU, our member-owners, and reward you for your participation in the credit union! The current rate for this account is 5.00% APY*

Funds can be deposited into your Ownership Account through our Rogue Rewards™ Loyalty Programs. They can also be transferred out of your Ownership Account anytime into one of your other accounts when you’re ready to use the money. Watch the video below to learn more about Rogue Credit Union's Ownership Account and Rogue Rewards™ Loyalty Programs.

Frequently Asked Questions

What is an Ownership Account?

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Can I reopen my Ownership Account if I’ve closed it?

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How do I reopen my Ownership Account?

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How do I add money to my Ownership Account?

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What are the benefits of the Ownership Account?

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Can my Ownership Account have a joint owner?

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What are the limitations of the Ownership Account?

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The only way to deposit funds into your high-yield Ownership Account is through the Rogue Rewards™ Loyalty Program.

Once the money is withdrawn, it can't be deposited again unless it’s earned through other Rogue Rewards Loyalty Programs. You can transfer funds from the Ownership Account to another account to be used, but you can't transfer funds back into the Ownership Account. Ownership Account funds can't be directly withdrawn from an ATM; members must transfer the funds to a checking or savings account through Online Banking in order to make a withdrawal.

How are Rogue Rewards™ Loyalty Programs mutually beneficial for members of the credit union?

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Rogue Rewards™ Loyalty Programs reward our members for their active involvement in the credit union, which in turn encourages additional member participation. When members participate, it contributes to the financial strength of the cooperative. The greater the participation, the stronger the credit union and the more we can reward our members!

Deposit Account Comparisons

Feature	Regular Savings	Money Market	MyMoney Market™	Certificates	Ownership
Minimum Balance^**	$0	$0	$0	$100	$0
Minimum for Dividends^**	$100	$2,000	$0	$100	$0
Monthly Fee^**	$0	$10	$0	$0	$0
APY^*	.05%	Varies	1.50 - 3.00%	Varies	5.25%
Dividend Rate^**	.05%	Varies	Varies	Varies	5.13%
ATM Card^†	FREE	FREE	FREE	Not Available	Not Available
Online Banking	YES	YES	YES	YES	YES
Local Support	YES	YES	YES	YES	YES
Write Checks	Not Available	YES	YES	Not Available	Not Available

The security and protection of your personal information is a top priority for Rogue Credit Union™. We work diligently to ensure that your personal information is as secure and protected as possible.

If you have received a fraudulent email, message or phone call, please forward it to us here.

How we protect you through online banking:

Rogue Credit Union™ is dedicated to protecting the identity of our members online. An important step in protecting your information is restricting online access to your accounts until you've enrolled in online banking.

Our entire online banking and website experience is protected by Secure Socket Layer (SSL) technology, which encrypts all your personal information such as member numbers, passwords and other shared information.

Access to Rogue Credit Union™ online is also protected by various other security tools that we don’t disclose. Many of these tools and features are set-up to predict actions that are out of the ordinary for you. If you ever feel like your personal information has been compromised, please contact us.

Submitting online applications:

Information you provide through our online banking portal is secure and encrypted. In other words, it is scrambled en route and decoded once it reaches Rogue Credit Union™. You may check that your web session is secure by looking for a small lock symbol usually located in the lower corner of your web browser window. Current web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" indicates that the web connection is secure.

Sending emails to Rogue Credit Union™:

Emails sent to Rogue Credit Union™ are not secure. Therefore, we ask that you do not send personal information, such as your social security number or member number, to us via an unsecured email. This type of communication should take place at a branch or over the phone. Give us a call at 800.856.7328.

Live Chat with Rogue Credit Union™:

Similar to email, Live Chat is not secure and therefore should not be used to send personal information. By using the Live Chat feature you understand that any chat questions or information you submit to the Rogue Credit Union™ through the website can be retained as a record of the credit union. Records of any chat information will not be shared or transferred to any third party except as required by law.

Links to third party sites:

Rogue Credit Union™ uses various partners to provide you with the tools you need online. In most cases, links to third party sites are provided as a resource for information and are not protected by the same privacy standards as Rogue Credit Union™. Other third-party vendors, such as our online loan applications and online banking, are contractually obligated to protect your information. These sites are secure and covered within the guidelines of our privacy policy.

*APY = Annual Percentage Yield. The rates appearing in this schedule are accurate and effective for Savings and Checking Accounts as of November 11, 2026. Rates may change on variable rate accounts after the account is opened. Rates may vary based on location. 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

Call Us 800.856.7328