| Advantage Savings | High-Yield Savings | Money Market | Share Certificates | |
|---|---|---|---|---|
| For Members who want | A free savings account that earns dividends and gives Members flexibility to save at their own pace. | A place to keep their money, earn dividends, without requiring frequent access to funds. | The best savings rate available and easy access to funds - including ATM access. | A safe place to save at a higher rate, and don't need immediate access to their funds. |
| Minimum opening deposit | $5 | $5 | $1000 | $500 |
| Monthly maintenance fee | None | None | None | None |
| Balance to avoid monthly maintenance fee | 0 | $5 to earn dividends | 0 | 0 |
| Requires RFCU Checking account | No | Yes | No | No |
| Earns dividends | Yes, tiered by balance | Yes, tiered by balance | Yes, tiered by balance | Yes |
| ATM Card | Yes | No | Yes | No |
| Non-RFCU ATM Fee* | $1 | n/a | $1 | n/a |
| Check-writing on account | No | No | Yes | No |
| eStatements | Yes | Required | Yes | Yes |
| Free online and mobile banking** | Yes | Yes | Yes | Yes |
| Transaction Limit | None | 1 withdrawal per month | 6 per month (3 checks) | n/a |
| Apply | Apply | Apply | Apply |
Disclaimers
* You may be assessed an additional fee or surcharge fee by the ATM owner
** Mobile banking is offered as a free service. You may incur and are responsible for any charges assessed by your mobile carrier. Message and data rates apply.