Deposit Products

By opening a regular savings account at RLSCCU, you build a long term relationship that will meet your financial long term goals. A deposit of $1.00 is required to establish your account with an Award Winning Credit Union.

• Dividends Compounded Monthly.
• Dividends Credited Monthly.
• Dividend Period Calendar Month.

Current Rate(s)	APR*	APY*
Savings Rate	0.05%	0.05%

*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Rates as of 05/25/2016.
For Share Savings and Money Manager accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Unions Board of Directors.

RLSCCU offers a hassle free checking account, with no unnecessary fees.

• Free On-Line Banking
• Free Bill Payer
• No Minimum Balance
• No Per Check Charge

The RLSCCU Check Card is the fastest way to access your checking account. It automatically deducts money from your checking account when you use it to make purchases. It also serves as an ATM Card. The RLSCCU Check Card can be used everywhere the VISA Logo is accepted. To apply, visit any of our locations and fill out an application. If you are approved, it takes up to two business weeks to receive your card and pin.

Our Money Manager Money Market Account earns more than a regular savings account. With a Money Manager account you can make up to 6 transactions per month.

• Minimum opening deposit of $2,500.00
• Dividends Compounded Monthly
• Dividends Credited Monthly
• Dividends Period Calendar Month

*APR = Annual Percentage Rate **APY = Annual Percentage Yield
For Share Savings and Money Manager accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Unions Board of Directors.

RLSCCU offers a variety of Regular Share Certificates and IRA Certificates. As a member, you will receive the highest and most competitive dividend rates on certificates. CD minimum opening balance is $500, unless specified.

Term	APR*	APY**
6 Month	0.20%	0.20%
12 Month	0.30%	0.30%
18 Month	0.32%	0.320%
24 Month	0.50%	0.501%
36 Month	0.85%	0.853%
48 Month	1.00%	1.04%
60 Month	1.10%	1.105%

*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Rates as of 05/25/2016. Share certificate accounts (CDs) may be subject to substantial penalty for early withdrawal.

Start saving for your future with an Individual Retirement Account. We are proud to offer Traditional, Roth, and Educational. CD minimum opening balance is $500, unless specified.

Term	APR*	APY**
6 Month	0.20%	0.20%
12 Month	0.30%	0.30%
18 Month	0.32%	0.320%
24 Month	0.50%	0.501%
36 Month	0.85%	0.853%
48 Month	1.00%	1.04%
60 Month	1.10%	1.105%

*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Rates as of 05/25/2016. Share certificate accounts (CDs) may be subject to substantial penalty for early withdrawal.

Sometimes one savings account is not enough for your hectic finances. Because we understand, we offer additional savings accounts to better suit your needs. You can open a Vacation, Christmas or a Second Savings anytime.

• Free of charge
• No minimum balances required.
• Interest rates are the same as our savings account.