Save Smart With Share Certificates from RTN
Special Certificate Offers*
2.45% APY for investments of $1,000 to $49,999
2.55% APY for investments of $50,000 or more
2.25% APY for investments of $1,000 to $49,999
2.40% APY for investments of $50,000 or more
View our Rates Page for more details
RTN share savings 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 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 Share 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).
To open your RTN Share Savings Certificate, visit our Applications/Forms section to complete a form or visit an RTN branch.
*APY = Annual Percentage Yield.
Annual percentage yields (APY) are accurate as of July 4, 2019. $1,000 or $50,000 minimum balance required to open non-IRA, Roth or Traditional IRA certificate accounts and to earn dividends. Penalty imposed for early withdrawal of funds. APYs are subject to change at any time or may be withdrawn at any time without notice.
Please note: The 18-month certificate special will automatically renew at the end of the initial maturity as a 12-month certificate. The 35-month certificate special automatically transfers to the Main Share or IRA share account at maturity. Both the 18-month share certificate and 35-month share certificate are subject to change or withdrawal at any time and are limited-time promotional offers.
Fees and other conditions could reduce the earnings on the account. Dividends paid at month-end or certificate maturity. Contact Member Services at 781-736-9900, option 5 for current APYs.
See our 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.