Save Smart With Share Certificates from RTN

Special Certificate Offers*
2.40% APY 35-month certificate ($50,000 minimum)
2.25% APY 18-month certificate

View our Rates Page for more details

RTN share certificates are a safe and secure way to plan for retirement, save for a rainy day, or perhaps for that special occasion in the future. We offer competitive rates with a minimum deposit of $1,000 on many certificates.

You can open high yielding certificates with terms from three months to 60 months (five years) for personal, non-retirement and/or IRA accounts. The longer the term of the share certificate, the higher rate of dividends you’ll earn. Premium rates are paid on investments of $50,000 or more. Dividends are paid and compounded monthly.

Your RTN Savings Certificate funds are federally insured by the National Credit Union Administration (NCUA), an agency of the U.S. Government, up to $250,000 per account by ownership type. Account balances in excess of the amounts insured by NCUA are insured in full by the  Massachusetts Share Insurance Corporation (MSIC).

35-month Certificate
Download the 35-Month Share Certificate form or the 35-Month Retirement Certificate Account Form and bring it to an RTN branch.

18-month Certificate
Download the 18-Month Share Certificate form or the 18-Month Retirement Certificate Account Form and bring it to an RTN branch.

 

Not a member? Join RTN today!

*These share certificate offers are for a limited time and may be changed or withdrawn at any time. Go to the Rates Page for important disclosure information.


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Fee Money or Free Money? Claiming Unclaimed Assets

A distant relative you’ve never met dies, leaving behind a tidy sum of money that you stand to inherit. It’s the kind of unexpected bolt of good luck that opens a Victorian novel or graces a Community Chest card in Monopoly, but it happened to Joplin, Mo., resident Gabe and his family.

Unfortunately, the family quickly learned that in the competitive—and often confusing—multibillion dollar industry of unclaimed money and assets, what you’re potentially owed and what you get can be wildly different.

Gabe’s family didn’t learn his mother’s distant aunt had died until nearly three years after her death. Of the aunt’s $250,000 estate, she left $100,000 to a university. For the remaining $150,000, there was no clear heir. The probate court hired an Ohio law firm to administer the estate and find the closest living relative.

Gabe found the aunt’s probate records online and contacted the law firm. Based on some research, he believed his mother and her two sisters were the closest heirs, but after some back and forth with the law firm, he discovered it didn’t matter. The fees associated with the long search and administering the estate had drained her assets to nearly zero.

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