Savings

Share Savings Account

Get started today by joining RFCU for a true financial partner

You can join Ridgedale Federal Credit Union (RFCU) through our partnership with the Financial Fitness Association (FFA) or as a Novartis Pharmaceuticals employee or contractor.

Your membership at RFCU starts when you open a Share Savings Account with a minimum deposit of $5.00. This deposit is not a fee—it remains in your Savings Account throughout your membership. Your Share Savings Account may earn dividends. The National Credit Union Administration (NCUA) federally insures your funds for up to $250,000. Since 1947, we have been providing quality banking services, and we look forward to providing you the same excellent experience.

When you open your Share Savings Account, you automatically have access to all the RFCU products and services and have voting rights for our Board of Directors at our Annual Meeting.

Benefits

Over 55,000 free ATMs Worldwide
Over 5,000 Shared Branches
Mobile App with Remote Deposit
Online Banking
Free ATM card

Notary Services
Safe Deposit Boxes
Foreign Currency
Wire Transfers
Medallion Signature up to $250,000

Retirement and Estate Planning Services
Financial Webinars
Financial Management Tool
Auto Finder Tool
Wills and Trusts portal

Joining is easy:

Complete a Membership application
Complete a FFA Application, when applicable.
Provide a government-issued ID and proof of address if needed.
Provide a $5 account opening deposit

If you have questions about credit union membership or any of the accounts available, please call us at 973-947-1000 or 862-693-4283 ext. 105

Get Started

Rates and Disclosures

Regular Shares

Effective Date: 5/2/2025, Rates Subject to Change

Account Type	Dividend Rate	APY
Regular Shares	0.10%	0.10%
REGULAR SHARE ACCOUNTS: APY = ANNUAL PERCENTAGE YIELD. BALANCES UNDER $100 DO NOT RECEIVE DIVIDENDS. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE.

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