To sign up for these accounts, please apply online or stop into one of our local branch locations.

Share Accounts (Savings)

At R-G Federal Credit Union, we offer two different types of Share (Savings) Accounts. Both are designed to help you reach your financial goals. We have our regular Share Account with a $5 minimum balance, that pays dividends on a balance of $100 or more.

ATM Cards are available for our Share Accounts. Speak with an MSR today about opening an ATM card if you don’t already have a checking account with our Visa Debit Card.

atm card

Check out the rates on all our share products under "Rates".

Smart Saver Account

There’s a smarter way to save with R-G Federal Credit Union for those that are SERIOUS about saving! It is our new Smart Saver Account, the account that lets you earn more money while you are saving. The more you save the more your earn. To open a Smart Saver Account, all you need is $500.00! To hear more details, please visit one of our branches.

The account is limited to one "free" withdrawal per month, but is not restricted to only one. Each subsequent withdrawal during the calendar month is subject to a nominal fee. The Smart Saver account pays higher dividends than the basic share account.

For more information or to open an Smart Saver account, please contact us at our nearest branch.

Club Accounts

Members use Club Accounts for many different purposes. Maybe you are saving for the holidays, or maybe it's for a vacation or end of the year taxes. Open an R-G Federal Credit Union Club Account and deposit any amount as often as you like. In addition, you can also set up free automatic transfers into your Club Account for any amount. Your Holiday Club savings are paid to you the first Friday in November, just in time for holiday shopping! Other Club Accounts are not set to transfer automatically, so you control when to withdraw the funds, up to 4 times per year. You can have up to 9 Club Accounts, so you have plenty of flexibility to save for all your needs.

If you have any questions about opening a Club Account, please contact your nearest Branch Location.

Share Draft Accounts (Checking)

At R-G Federal Credit Union, we offer an easy way to access your money with our Share Draft (Checking) Accounts. With one of our two(2) Share Draft accounts and a VISA check/debit card, you are able to access your money 24 hours a day. You can also log into your account and check your balance with our Online Banking.

debit card

Both accounts offer you a free Visa check/debit card, free unlimited withdrawals at any RGFCU ATM, free Online Banking, free Bill-Pay, free RGFCU Mobiliti App for iPhone/Android with Free Mobile Deposit, free 24 hour access to Telephone Banking, free point of sale transactions, no per check charges, and free Notary service. To access Telephone Banking, please call 800-323-5654. Click here for additional fee information information.

Share Certificates

Share Certificates are similar to savings accounts in that they are insured and thus virtually risk-free; they are "money in the bank" (Share Certificates are insured by the NCUA). They are different from savings accounts that the share certificates have a specific, fixed term ( three months, six months, or one to five years), and, a fixed interest rate. It is intended that the Share Certificates be held until maturity, at which time the money may be withdrawn together with the accrued interest.

If you have any questions about obtaining a Shared Certificate, please contact your nearest Branch .


Have you started to think about retirement? If so, an IRA is a good way to begin. What is an IRA, you might ask? Well, IRA stands for Individual Retirement Account. It is an account that lets you plan for your retirement savings. If you have any questions about opening an IRA, please contact your nearest Branch Location.

Switch Me Kit

Switching from your current financial institution to R-G Federal Credit Union is simple and hassle free. Download our self-serve "Switch Me Kit" to get started. Need help? Stop by any of our branch locations. A representative will be happy to help you. Switch Me Kit