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      A Safer Investment with Certificate Accounts

      Earn a higher return on your money, without compromising safety or security.

      Certificate Accounts are “term” deposits, meaning you agree to keep your money in the account for a specific amount of time in exchange for earning a higher return on your deposit than a regular savings account. Funds are federally insured, so you can leave the stress behind.
      Mature friends cooking that have a Red Canoe Certificate Account

      The “Set It and Forget It” Accounts

      We made saving so easy, you don’t even have to touch your money.

      Of course, you’ll quickly remember it when your term comes to a close and you’ve earned a premium return on your investment. Just don’t spend it all in one place – in fact, consider reinvesting it in another Certificate until you need the money!

      Regular Certificate Accounts

      With just $500, you can start a Certificate Account where your earnings are paid out and grow each month. Choose from terms as short as 3 months or as long as 5 years for maximum flexibility in planning your financial future.

      6 Month Easy Saver Certificate

      This special certificate account offers you the chance to increase your saving, with a cap at $10,000. It also provides a greater dividend rate compared to a standard savings account.

      Flex Certificate Account

      A Flex Certificate gives you the one-time option to increase your dividend rate if rates go up. You can also make a one-time additional deposit or withdrawal during your term.

      A Simple Way to Save More

      When you open a Certificate Account you can:
      • It's easy to get started with a low minimum balance of only $500 
      • Have your certificates transfer to your savings or automatically renew
      • Enjoy the benefits of higher dividends while your money stays safe and federally insured
      • Open a Certificate Account in Online Banking, in a branch, or by calling us
      man sitting on rock
      RC_Regular-Certificate-bullet-image-8

      Owned by Members

      We stick to credit union tradition. When you open an account with us, you’re an equal owner of our financial institution.

      Comprehensive Products

      We offer a variety of products and services to meet your needs. We'll deliver personalized service from a team committed to helping you financially thrive.

      Stability

      We’re federally insured, just like a bank. The difference? We’re focused on making you, the member, happy.

      Local Service

      To us, being local means making a difference in the lives of our neighbors and the communities we call home.

      A Branch or ATM Around Each Bend

      11 branches spread across Washington and Oregon, plus 30,000+ surcharge-free ATMs.
      Member, owner, neighbor – you’re a local and so are we.
      Visit your nearest branch and use your debit card at a surcharge-free ATM for easy access and five-star service.
      Woman hiking

      Disclosures

      *See Rate and Fee Schedule for important account terms and conditions.