Whether you are dreaming about saving or saving for your dreams, it is important to have a savings plan in place. RMECU has the right savings account with the right rate to help you achieve your goals, dreams, and future security.


Free Checking
  • No minimum balance or monthly service fees

  • Free RMECU debit card

  • Free first box of checks

  • Earn monthly dividends on daily average balances over $100

Business Checking
  • Available to current members of RMECU

  • Free RMECU debit card

  • Business Checks

  • $5 monthly service fee


Regular Savings
  • This savings is what makes you a member owner

  • Minimum balance of $5

  • Earn monthly dividends on daily average balances over $100

Special Savings
  • Open one or multiple special savings to save for any purpose

  • No minimum balance requirements

  • Earn monthly dividends on daily average balances over $100

Certificates (CDs)

A great way to earn more for keeping your funds in an account for a designated period of time.

  • Terms as short as 3 months or as long as 48 months

  • Minimum deposit of $1,000

  • Dividends are paid monthly until maturity date

Retirement Accounts (IRAs)


Rollover or transfer your existing Traditional IRA, 401(k) from a previous employer, or start savings for retirement.

  • No maintenance fees

  • A conservative way to save for retirement

  • Earn monthly dividends

  • Offered as a savings account


Rollover or transfer your existing Roth IRA or start saving for retirement.

  • Put money away you have already paid taxes on
  • No maintenance fees
  • Earn monthly dividends
  • Offered as a savings account

Health Savings Account (HSA)

Put money away in a tax-sheltered account to assist in paying for medical expenses if you have a high deductible health care plan.

  • No minimum balance

  • Free HSA Debit Card

  • Earn monthly dividends

Savings Rates

Regular Savings†0.08%0.08%
Club/Sub Savings0.08%0.08%
Checking Account0.01%0.01%
Certificate Accounts^
3 Months0.15%0.15%
6 Months0.20%0.20%
9 Months0.25%0.25%
12 Months0.30%0.30%
18 Months0.40%0.40%
24 Months0.50%0.50%
36 Months0.75%0.75%
48 Months1.00%1.01%
IRA Savings (Traditional and Roth)†0.15%0.15%
HSA (Health Savings Account)0.90%0.90%

*APR is annual percentage rate
**APY is annual percentage yield

†$5 membership deposit is required to open account.

^Minimum balance required to open a Certificate Account is $1,000. If certificate is closed before maturity date, a 90 day dividend penalty will be charged.

Minimum daily balance of $100 to earn dividends on Regular Savings, Club/Sub Savings, Checking Account, and IRAs.