New Membership
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Min Deposit: $5.00
An RGCU Secondary Share Account is a fantastic way to save for things like vacations, unexpected expenses, a new car, or any other short-term goal. When you open a secondary share savings account, you’ll enjoy no minimum balance requirements, no monthly service fees, and dividends on any balance of $25.00 or more to help you meet your savings goals faster.
Max APY: 0.15% Min Deposit: $25.00
Give yourself the gift of financial peace of mind with our Christmas Club Account. You can save for the holidays year round, adding a little or a lot along the way. When the shopping season rolls around, you'll be ahead of the game. It’s a great way to plan ahead and reduce holiday debt.
APY: 1.00% Min Deposit: $5.00
Vacations are relaxing, but they can also be expensive. Try a Vacation Club account to help you save money and watch it grow throughout the year. Get started for just $25, and set up automatic deposits from your Rio Grande Checking Account. Then, when it’s time for vacation, your money is ready for you.
APY: 1.00% Min Deposit: $5.00
Our Rainy Day Club Account makes it easy to set money aside, thanks to automatic transfers from your Rio Grande Credit Union Checking Account and payroll deductions. Setting a little money aside every month means you don’t have to pay out of pocket the next time a rainy day comes along.
APY: 1.00% Min Deposit: $5.00
Much like a money market account, the Investors Club pays a higher dividend than a savings account, yet providing you with access to your funds. With tiered dividend rates based on account balances, the more you save the more you earn!
Max APY: 1.53% Min Deposit: $25.00 Max Deposit: $1,000,000,000.00
Min Deposit: $25.00
Max APY: 0.75% Min Deposit: $0.00 Max Deposit: $1,000,000,000.00
Fresh Start Checking is the perfect second-chance opportunity for members who have had difficulty with a checking account in the past. Rio Grande Credit Union makes it easy to get started again. A successful checking account can be a useful tool for sound money managemen
Min Deposit: $25.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.53% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.92% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.97% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.66% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.40% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.35% Min Deposit: $500.00
With a Rio Grande Certificate, you set aside funds for a set period of time—between 3 to 60 months—and in return, you receive a higher dividends rate than with a traditional online savings account and are insured up to at least $250,000 by NCUA. The longer your certificate term, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.
APY: 3.35% Min Deposit: $500.00
Unlike a Roth IRA, the original contributions you make to your Traditional IRA account may be tax-deductible and your account's earnings are tax deferred. You'll have more to invest, maximizing the potential of your earnings. When you retire, withdrawals are taxed as regular income. If your original contributions were not tax-deductible, then they can be withdrawn federally tax free (state taxes may apply). If you withdraw either your original contribution or earnings before age 59½, then you may also be subject to a 10% additional tax.
APY: 0.60% Min Deposit: $25.00
With a Roth IRA, retirement savings contributions to the account are subject to regular federal and state income taxes. Earnings on a Roth IRA are tax-free if your Roth account has been open for at least five years and the savings are withdrawn after age 59½. This is true for both federal, and in most cases, state income taxes. Contributions (not earnings) can be withdrawn tax-free at any time, and there is no required minimum distribution at or after age 72.
APY: 0.60% Min Deposit: $25.00
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
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