{"slug":"royal-credit-union-12-month-certificate-rate","category":"bank","institutionSlug":"royal-credit-union","product":"12-Month Certificate","title":"Royal Credit Union 12-Month Certificate: 3.77% APY","bonus":"3.77% APY","unit":"cash","amount":0,"reqShort":"No minimum opening balance","expiresOn":null,"status":"live","verifiedOn":"2026-08-12","reports":0,"openIssues":0,"states":["MN","WI"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"rcu.org","applyUrl":"https://www.rcu.org/royalty","summary":"Royal Credit Union offers 3.77% APY on a 12-month certificate with no minimum opening balance and guaranteed returns at maturity. This is a promotional rate for members.","reqSteps":[],"finePrint":[],"apy":377,"apyTerm":"12-month term","listedOn":"2026-08-12","listedAt":"2026-08-12T13:05:34.602Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"rcu.org rate page","url":"https://www.rcu.org/royalty","checkedOn":"2026-08-12"}],"needsVerification":false}