RCFOS Certificate of Deposit (CDs) & Rates

Earn special rates on select new CD accounts: 2.70% annual percentage yield (APY) on a 15-month CD. Talk to a RCFOS banker to open your new CD today.

For questions or help opening your account, call us at +14804548669.

2.70% APY 15-month CD$1,000 minimum opening deposit
$0monthly maintenance fee
Terms you choose
from 7 days to 60 months

Predictable savings. On your terms.

Guaranteed rates

Lock in your annual percentage yield (APY)—and it’s set for the entire term. However, withdrawals prior to maturity could result in penalties and a reduced APY and interest rate.

Terms you choose

From 7 days to 60 months. Build savings on your terms. $1,000 minimum for terms 32 days to 60 months. $2,500 minimum for terms 7-31 days.

Balance builds toward RCFOS One Checking perks

As our relationship grows, so do your perks. Money in RCFOS CDs can help unlock extra perks in your RCFOS One Checking.

Automatic renewals

Your CD will automatically renew for the same term at our current standard CD rate (0.05% APY as of 11/25/2025). If you’d rather redeem your CD, you can do so on the maturity date or during the grace period.