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Certificates and IRA Certificates
Certificates are available for any term from 3 months to 60 months. Certificates are a great way to save with a guaranteed rate and with no risk. A $250 minimum is required to open an account. There is a substantial penalty for early withdrawal. Deposits are insured to $100,000 by the National Credit Union Administration.

36 Month Step Up CD
No more worry about missing out on rising interest rates!! With a Step Up CD from Rochester Federal Credit Union, you can move your rate up anytime you choose when rates rise. Enjoy great rates and the flexibility to take advantage of higher rates!! It’s a win-win.

Disclosure for Step Up CD
At the time you choose to exercise the Step-Up feature at any time during the term of this certificate, you have the option to increase the rate and yield of this certificate to the normal, posted rate and yield paid on 36 month certificates offered by Rochester Federal Credit Union. The rate will be paid through the remaining term of your original 36 month certificate. The Step-Up option is available only one time during the term of the certificate. The new rate will be paid from the exercise date forward and will not be paid retroactively. Once the Step-Up feature is exercised, you will be issued a new certificate displaying your new rate and yield. The Step-Up feature may be exercised by calling the Credit Union or notifying us in writing. The Step-Up Certificate is available for a 36 month term only. The minimum to open a Step-Up Certificate is $1,000. Upon maturity, your Step-Up Certificate will be rolled over to a new 36 month Step-Up Certificate unless you have instructed us otherwise. All other terms and conditions of Rochester Federal Credit Union certificates apply to this account including early withdrawal penalties, compounding and statement periods.

Platinum Plus Accounts
The more you save, the more you earn with a tiered Platinum Plus account at Rochester Federal Credit Union. Platinum Plus Accounts earn great yields while keeping your funds flexible!
Tier minimums are:

• $2,000
• $10,000
• $25,000
• $50,000

Standard Checking Accounts
The standard checking account is an economical account with all the convenience you'll ever need. There is no monthly fee.

• Free VISA Debit Card.
• Free Internet Banking.
• 3 free ATM Transactions at any ATM around the world.
• Unlimited FREE transactions at any Rochester Federal Credit Union ATM.
• Direct Deposit.
• Overdraft Protection (must qualify).

IRA Share Accounts
The more you save for retirement the more you earn with a tiered IRA share account at Rochester Federal Credit Union! Park your money here and maximize your yield while contemplating which term IRA certificate you would like.
Tier minimums are:

• $1
• $2,000
• $10,000
• $25,000
• $50,000
• $75,000

Savings Accounts
Regular share accounts work just like a savings account! You can access your account from anywhere in the world with your ATM card or VISA Debit card and you earn a great dividend on your balance!
Minimum balances required to earn dividends:

• Regular Shares: $100
• Holiday Club: $5
• Vacation Club: $5

Privacy Policy | Billing Rights For questions concerning your account or a recent statement, contact the Credit Union. Site developed and hosted by COCC. We operate in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.