Savings Accounts
Savings Choices to Meet Your Needs
At Ridgeline Credit Union, you can choose from an assortment of savings plans designed to meet our members' varying needs.
- Super Saver 1.26% APY as of August 31, 2026
- $25 Minimum Balance
- NCUA insured
Featured rate
A higher dividend on the money you leave alone.
Super Saver pays more than Regular Savings once you keep $2,500 in it, and more again at $20,000. Withdrawals stay unlimited, so the money is still yours the day you need it.
- Regular Shares 0.10%
- Super Saver 1.01%
- Super Saver 1.26%
- DEPOSIT RATES AS OF JUNE 30, 2026
Super Saver
APY = Annual Percentage Yield, accurate as of August 31, 2026 and subject to change. Dividend rate 1.25% on a minimum balance required of $20,000.00. Federally insured by NCUA.
Compare
Three ways to save. Pick the one that fits.
All three are federally insured, none of them charge a monthly fee, and you can hold more than one.
Regular Savings
$25 Minimum Balance. Dividends Paid on Balances of $100 or More. Unlimited Withdrawals.
- Minimum balance $25.00
- Dividends paid On balances of $100 or more
- Annual Percentage Yield 0.10% APY as of August 31, 2026
- Withdrawals Unlimited
- Share deposit to join $25.00
Required to join. Opens with everything else.
Super Saver
$2,500 Minimum Balance. Earns Higher Dividend than Regular Savings. Unlimited Withdrawals.
- Minimum balance required $2,500.00
- Annual Percentage Yield 1.01% APY as of August 31, 2026
- At $20,000.00 1.26% APY as of August 31, 2026
- Withdrawals Unlimited
- Federally insured To at least $250,000
No qualifiers to earn the rate.
Christmas Club
Helps Save for the Holidays. Unlimited Withdrawals.
- Minimum balance required $0.00
- Annual Percentage Yield 0.10% APY as of August 31, 2026
- Withdrawals Unlimited
- Good for Saving through the year for December
- Federally insured To at least $250,000
A separate account, so the money stays put.
| Feature | Regular Savings | Super Saver | Christmas Club |
|---|---|---|---|
| Annual Percentage Yield | 0.10% APY | 1.01% APY at $2,500.00, 1.26% APY at $20,000.00 | 0.10% APY |
| Minimum balance required to earn | $50.00 | $2,500.00 | $0.00 |
| Minimum balance on the account | $25.00 | $2,500.00 | None |
| Dividends paid | On balances of $100 or more | On the posted balance tier | On the posted rate |
| Withdrawals | Unlimited | Unlimited | Unlimited |
| Good for | Your membership share and everyday saving | Money you are not spending this month | Saving through the year for the holidays |
| Federally insured | To $250,000 | To $250,000 | To $250,000 |
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Deposit rates
Every deposit rate we post.
The full rate sheet, including the savings accounts that are not on the comparison above. Effective August 31, 2026 and subject to change.
| Account Name | Minimum Balance Required | Rate | APY |
|---|---|---|---|
| Regular Shares | $50.00 | 0.10% | 0.10% |
| Checking | $100.00 | 0.05% | 0.05% |
| Super Saver | $2,500.00 | 1.00% | 1.01% |
| Super Saver | $20,000.00 | 1.25% | 1.26% |
| Christmas Club | $0.00 | 0.10% | 0.10% |
| Escrow Savings | $0.00 | 0.10% | 0.10% |
| IRA Savings | $0.00 | 0.20% | 0.20% |
| Health Savings (HSA) | $0.00 | 0.10% | 0.10% |
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Certificates
Lock a rate for money you will not touch.
A certificate holds its rate for the whole term, even if rates fall. $500 opens one.
| Term | Minimum Balance Required | Rate | APY |
|---|---|---|---|
| 6 Months | $500.00 | 3.68% | 3.75% |
| 12 Months | $500.00 | 3.78% | 3.85% |
| 24 Months | $500.00 | 3.97% | 4.05% |
| 36 Months | $500.00 | 4.02% | 4.10% |
| 48 Months | $500.00 | 4.07% | 4.15% |
| 60 Months | $500.00 | 4.11% | 4.20% |
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Before you open a certificate
- The rate is fixed for the full term
- Early Withdrawal Penalty Applies For Early Withdrawals/Early Maturity
- Ask us what happens at maturity before you sign
- Splitting money across terms keeps some of it reachable
Not sure which term? Call the office and we will lay out what each one earns on your amount, with no pressure to pick the longest. Please see terms and conditions within our new account booklet for more information.
Included with every account
Saving works better when it happens by itself.
These come standard, whichever savings account you open.
Automatic transfers
Set a transfer from checking to savings in Mobicint and let it run. Change it or stop it whenever you want.
Christmas Club
A separate account for holiday money, so it is not sitting in the same balance you spend from all year.
Kids Savings
An account for anyone younger than 18. A $5 share minimum is all it takes to join.
Overdraft protection
Link savings to your Free Checking so we can move money over to cover a shortfall.
Mobile app and email alerts
Know when a deposit lands and when money moves, on your phone or in your inbox.
A phone number a person answers
Call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, and talk to someone at our Salt Lake City office.
Digital banking
Set it up once. Watch it grow.
Everything you would drive in for, handled from the app. Same account, same people behind it.
- Schedule recurring transfersPick the day and the amount. Payday, the first of the month, or whatever fits your pay cycle.
- Mobile check depositDeposit a check from your phone instead of driving downtown with it.
- Mobicint online and mobile bankingCheck balances, review account history, and move money between your accounts.
- Web Statements and Online Bill PayerRead your statement online instead of waiting on the mail, and pay the bills that repeat every month.
- Card Suite LiteInstant alerts on every transaction, spending limits by merchant or category, and freeze or unfreeze the card in a tap.
Your protections
Money you are saving should not be at risk.
What insurance covers, what the rate can do, and who is watching the account.
Federally insured to $250,000
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. Different ownership categories, like a joint account or a trust, can be insured separately. Ask us and we will map yours out.
No market risk
Savings accounts and certificates are deposits, not investments. Your balance does not go down when the market does. Savings rates can change, and we post the effective date on every rate we publish. A certificate holds its rate for the whole term.
Alerts and card controls
Turn on mobile app and email alerts so you see money move the moment it happens. Card Suite Lite adds instant transaction alerts, spending limits by merchant or category, and a freeze switch for your card.
“Ridgeline Federal Credit Union is the most amazing Credit Union! Employees are so kind, make you feel welcome and very appreciated.”
C. · Google review
Opening an account
Four steps. It starts at the office.
There is no online application. Come to 564 East 300 South or call and we will mail one to you.
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Check you can join
If you live, work, worship, volunteer, or attend school in Salt Lake City, you qualify. So do your immediate family and the people in your household.
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Pick your accounts
Regular Savings, Super Saver, Christmas Club, Kids Savings, an IRA, or a certificate. You can hold more than one.
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Bring your details
Your name, address, date of birth, Social Security number, and a government photo ID.
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Fund it and set a transfer
A $25.00 share deposit opens your Regular Savings and makes you an owner. Set up a recurring transfer in Mobicint and the saving happens on its own.
What to have handy
- A driver’s license or other government photo ID
- Your Social Security or ITIN number
- Your current address and date of birth
- $25.00 for your share deposit
Saving for a child? Kids Savings is for anyone younger than 18 and takes a $5 share minimum. Bring their Social Security number and we will open it with you on the account.
Questions
Answers before you apply.
What is the difference between Regular Savings and Super Saver?
Regular Savings is the membership account. The $25.00 share in it is what makes you an owner of the credit union. Super Saver is where money you are not spending should sit, because it pays 1.01% APY at $2,500.00 and 1.26% APY at $20,000.00 instead of 0.10%, as of August 31, 2026. Plenty of members have both.
Do I have to do anything to earn the Super Saver rate?
Keep the balance up. The posted rate applies at a $2,500.00 minimum balance, and the higher tier applies at $20,000.00. There is no direct deposit requirement and no debit card transaction count.
Can the rate change after I open?
Yes. Deposit rates are variable. The rates on this page are effective August 31, 2026, and we post the current sheet with its effective date whenever it changes. If you want a rate that cannot change, open a certificate and it holds for the whole term.
How fast can I get to my money?
Regular Savings, Super Saver, and Christmas Club all allow unlimited withdrawals. Transfer to your checking in Mobicint, or come into the office at 564 East 300 South Monday through Friday, 9:00 AM to 5:00 PM.
What happens if I need certificate money early?
Early Withdrawal Penalty Applies For Early Withdrawals/Early Maturity. Please see terms and conditions within our new account booklet for more information. That is why we usually suggest keeping a cushion in savings and putting only the money you will not touch into a certificate.
Is more than $250,000 insured?
It can be. The $250,000 limit applies per owner, per ownership category, so joint accounts, trusts, and retirement accounts are insured separately from an individual account. Bring us your numbers and we will map out the coverage.
Can I open savings for my kids?
Yes. Kids Savings is for anyone younger than 18 and requires a $5 share minimum balance to join. Come into the office so we can set it up with you on the account.
Account disclosures
APY = Annual Percentage Yield. Deposit rates and APYs shown on this page are effective August 31, 2026, are variable, and may change at any time after account opening. Regular Shares earn a 0.10% dividend rate and 0.10% APY on a minimum balance required of $50.00. Super Saver earns a 1.00% dividend rate and 1.01% APY on a minimum balance required of $2,500.00, and a 1.25% dividend rate and 1.26% APY on a minimum balance required of $20,000.00. Christmas Club, Escrow Savings, and Health Savings each earn a 0.10% dividend rate and 0.10% APY. IRA Savings earns a 0.20% dividend rate and 0.20% APY. Fees may reduce earnings.
Certificate rates are effective September 18, 2026 and are fixed for the term. Certificates require a $500.00 minimum balance. Early Withdrawal Penalty Applies For Early Withdrawals/Early Maturity. Please see terms and conditions within our new account booklet for more information. Membership requires a $25.00 share deposit and eligibility under our field of membership. Kids Savings requires a $5 share minimum balance. There is no online membership application. Applications are completed at our office at 564 East 300 South, Salt Lake City, UT 84102, or mailed to you on request. Full account terms are described in the Truth in Savings disclosure provided at account opening.
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. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required.
Routing Number: 324078417