Certificates

SHARE CERTIFICATES OF DEPOSIT

Certificates of Deposit

Earn More on Your Money with an RFCU Certificate of Deposit

If you’d like to earn more on your money, a Certificate will allow you to do that. Choose from a variety of terms and dividend rates. Whether you’re saving for retirement, a dream vacation or a child’s education, Ridgedale Federal Credit Union has a certificate to help you achieve your goal.

To learn more about our Share Certificate options or to open a Share Certificate, please visit our branch office or call 973-947-1000 or 862-693-4283 ext. 105. You can scroll down to see the current terms and rates available.

Benefits

$500 minimum deposit
Terms from three months to five years

Convenient automatic renewal Dividends are paid monthly *
Deposits are federally insured by the NCUA up to $250,000

Calculate Your Shared Certificate Value

Use this Shared Certificate Calculator to help determine the potential interest growth on your Shared Certificate.

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Rates and Disclosures

Share Certificate

Effective Date: 4/3/2025, Rates Subject to Change

Share Certificate	Dividend Rate	APY
3 Month	3.69%	3.75%
6 Month	2.96%	3.00%
12 Month	3.69%	3.75%
24 Month	3.45%	3.50%
36 Month	3.20%	3.25%
48 Month	3.20%	3.25%
60 Month	3.20%	3.25%
SHARE CERTIFICATE: APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.

To learn more about our Share Certificate options or to open a Share Certificate, please visit our branch office or call 973-947-1000 or 862-693-4283 ext. 105.Get Started

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Income - Single	Income - Head of Household	Income - Married Filing Jointly	Income - Married Filing Separately	Federal Tax Rate
$0 - $11,600	$0 - $16,550	$0 - $23,200	$0 - $11,600	10%
$11,601 - $47,150	$16,551 - $63,100	$23,201 - $94,300	$11,601 - $47,150	12%
$47,151 - $100,525	$63,101 - $100,500	$94,301 - $201,150	$47,151 - $100,525	22%
$100,526 - $191,950	$100,501 - $191,950	$201,151 - $383,900	$100,526 - $191,950	24%
$191,951 - $243,725	$191,951 - $243,700	$383,901 - $487,450	$191,951 - $243,725	32%
$243,726 - $609,350	$243,701 - $609,350	$487,451 - $731,200	$243,726 - $365,600	35%
$609,351+	$609,351+	$731,201	$365,601	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $11,260	With Room & Board: $24,030
Public 4yr	Residence: Out-of-State	Tuition & Fees: $29,150	With Room & Board: $41,920
Public 2yr	Residence: In-State	Tuition & Fees: $3,990	With Room & Board: $13,960
Private 4yr	Residence: N/A	Tuition & Fees: $41,540	With Room & Board: $56,190

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.1%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%
2022		8.0%
2023		4.1%