Personal Savings

Savings Plans That Meet You Where You Are.

You don’t need a big balance to start saving—you just need the right place to begin. From first-time savers to long-term planners, we’re here with flexible options built for real lives, real goals, and real progress.

Open Your Account

Cash Booster Money Market Deposit Account

Higher interest for higher balances—that’s what this account is all about, offering tiered, competitive rates. Let’s make your money work harder.

Minimum Balance to Open: $10

Open Your Account

Benefits

  • Multiple tiers with several interest rates available
  • Competitive rates
  • FDIC insures up to $250,000
  • DIF insures additional deposits

Details

  • 3.00% Annual Percentage Yield (APY)
  • 2.96% Interest Rate
  • $10.00 Minimum Balance to Open
  • $2,500.00 Minimum Balance to earn APY of 3.00%
  • Monthly Maintenance Fee of $12.00 if the balance in the account falls below $2,500.00 any day of the cycle
TiersInterest RateAnnual Percentage Yield*Minimum Balance
To Open Account		Minimum Balance
to Earn APY
Under $2,5000.05%0.05%$10.00Bal.>$9.99 and <$2,500.00
$2,500 – $9,999.990.05%0.05%$10.00Bal.>$2,499.99 and <$10,000.00
$10,000 – $24,999.990.05%0.05%$10.00Bal.>$9,999.99 and <$25,000.00
$25,000 – $49,999.990.05%0.05%$10.00Bal.>$24,999.99 and <$50,000.00
$50,000 – $99,999.990.05%0.05%$10.00Bal.>$49,999.99 and <$100,000.00
$100,000 & Over0.10%0.10%$10.00Bal. $100,000 and More
Cash Booster Account2.96%3.00%$10.00Bal. $2,500.00 and More

*Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

Rates current as of 10/01/2026.

Green Online Savings Account

Open and manage this savings account from your couch and ditch the paper statements. It’s simple, convenient, and saves future you the hassle.

Minimum Balance to Open: $10

Open Your Account

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
  • Competitive interest rates

Details

  • Online Banking (required)
  • Monthly eStatement
  • Free ATM card
  • RCB will not charge its cardholders to use any ATM*
  • Link to checking
  • Early Direct Deposit

*Other ATM operators may impose a surcharge fee.

ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Vacation Savings Account

Got your eye on a big trip? Planning a wedding? This account’s* got your name on it. It’s set up to help you reach your goals—and your destination.

*Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less. Transfers available, please ask a banking specialist for a copy of the terms and conditions for account details.

Minimum Balance to Open: $10

Open Your Account

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
  • Competitive interest rates

Details

  • Automatic transfers
  • Link to RCB checking
  • Open a Vacation Savings Account online
ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Christmas Savings Account

Ring in the holidays with extra cheer—and cash—with help from this account. It’s structured to help you budget and save for costly one-time or annual occasions.

Minimum Balance to Open: $10

Open Your Account

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
  • Competitive interest rates

Details

  • Automatic transfers
  • Link to RCB checking
  • Open a Christmas Savings Account online
ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Looking for Another Option? Visit a Branch to Explore These Accounts

While many of our accounts can be opened online, for the ones outlined below, we need to see you in person. So, stop by a branch near you, and we’ll make it worth your while.

Passbook Savings Account

Prefer in-person connection to online transactions? Then this traditional account* is for you, requiring branch visits for withdrawals and transfers.

*As an alternative to a personal loan, you may borrow against your passbook savings account.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Early Direct Deposit
  • Competitive rates

Details

  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
  • Online Banking available
  • Online access for a Passbook Account is limited to viewing history and making online transfers into a Passbook Account. And Withdrawals and transfers out should be made with a Banking Specialist.
ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Student Passbook Savings Account

Just because you’re a student doesn’t mean you can’t be saving. That’s why we offer two types of accounts and no ATM fees.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Competitive interest rates

Details

  • Online Banking available
  • Early Direct Deposit
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Student Savings Account

Just because you’re a student doesn’t mean you can’t be saving. That’s why we offer two types of accounts and no ATM fees.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Competitive interest rates
  • Free ATM Card

Details

  • Competitive interest rates
  • 100% deposit insurance through FDIC and DIF
  • Low minimum deposit of $10 required to open account
  • Early Direct Deposit
  • Free 24-hour online, mobile, and telephone banking
  • Interest that is compounded daily and credited monthly
  • RCB will not charge its Student Statement cardholders to use any ATM*
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield

*Other ATM operators may impose a surcharge fee.

ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Statement Savings Account

Welcome to simple, straightforward saving, with competitive interest rates and a low minimum daily balance.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Competitive interest rates

Details

  • Online Banking available
  • Monthly eStatement
  • Free ATM card
  • RCB will not charge its cardholders to use any ATM*
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
  • Link to checking
  • Early Direct Deposit

*Other ATM operators may impose a surcharge fee.

ProductInterest RateAnnual Percentage Yield1Minimum Balance To Open AccountMinimum Daily Balance to 
Earn APY
Green Online Savings1,20.01%0.01%$10.00Bal.>$9.99 and <$50,000.00
Bal.>$49,999.99 and <$100,000.00
Bal.>$99,999.99 and <$200,000.00
Bal.>$200,000.00 and More
Online Christmas Savings1,22.96%3.00%$10.00Bal. ≥ $10.00
Online Vacation Savings1,2,30.01%0.01%$10.00Bal. ≥ $10.00
Statement Savings10.01%0.01%$10.00Bal .>$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Passbook Savings10.01%0.01%$10.00Bal. >$9.99 and <$50,000.00
Bal. >$49,999.99 and <$100,000.00
Bal. >$99,999.99 and <$200,000.00
Bal. >$200,000.00 and More
Student Statement Savings10.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00
Student Passbook Savings!0.01%0.01%$10.00Bal. >$9.99 and <$50.00
Bal. >$50.00

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates are variable and subject to change without notice and may change after account opening. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate sheet reflect the full tier balance ranges for each appropriate tier for the green online savings. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2Online Products – Personal accounts only. eStatements and Online Banking are required.

3Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less.

Rates current as of 10/01/2026.


Money Market Deposit Accounts

Higher interest for higher balances—that’s what these accounts are all about. They offer tiered, competitive rates and low minimum balance requirements.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits

Details

  • Multiple tiers with various interest rates available
  • Competitive rates
  • $10.00 Minimum Balance to Open
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
TiersInterest RateAnnual Percentage Yield*Minimum Balance
To Open Account		Minimum Balance
to Earn APY
Under $2,5000.05%0.05%$10.00Bal.>$9.99 and <$2,500.00
$2,500 – $9,999.990.05%0.05%$10.00Bal.>$2,499.99 and <$10,000.00
$10,000 – $24,999.990.05%0.05%$10.00Bal.>$9,999.99 and <$25,000.00
$25,000 – $49,999.990.05%0.05%$10.00Bal.>$24,999.99 and <$50,000.00
$50,000 – $99,999.990.05%0.05%$10.00Bal.>$49,999.99 and <$100,000.00
$100,000 & Over0.10%0.10%$10.00Bal. $100,000 and More
Cash Booster Account2.96%3.00%$10.00Bal. $2,500.00 and More

*Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

Rates current as of 10/01/2026.

Health Savings Accounts

Cover the costs of a high-deductible health plan and save for medical expenses. This tax-free account allows funds to roll over annually, ensuring the money always remains yours.

Minimum Balance to Open: $10

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Competitive interest rates

Details

  • Multiple tiers with various interest rates available
  • Competitive rates
  • Minimum Daily Balance of $10 to earn Annual Percentage Yield
TiersInterest RateAnnual Percentage Yield*Minimum Balance
To Open Account		Minimum Balance
to Earn APY
Under $2,5000.01%0.01%$10.00Bal.>$9.99 and <$2,500.00
$2,500 – $4,999.990.01%0.01%$10.00Bal.>$2,499.99 and <$5,000.00
$5,000 – $9,999.990.01%0.01%$10.00Bal.>$4,999.99 and <$10,000.00
$10,000 – $99,999.990.01%0.01%$10.00Bal.>$9,999.99 and <$100,000.00
$100,000 & Over0.01%0.01%$10.00Bal. $100,000 & More

*Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

Rates current as of 10/01/2026.

Certificate of Deposit Accounts

Save for the long term with a fixed-rate CD. An alternative to traditional savings accounts, it’s a simple and secure way to grow your money.

Minimum Balance to Open: $500

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Competitive interest rates

Details

  • Multiple tiers with various interest rates available
  • Minimum Daily Balance of $500.00 to earn Annual Percentage Yield
  • Terms from 6 months to 5 years
  • Monthly Maintenance Fee if Minimum Daily Balance of $2,500 is not maintained
ProductInterest RateAnnual Percentage Yield1Minimum Balance
To Open Account		Minimum Daily Balance To Earn APY
6-Month3.93%4.00%$500.00Bal. $500.00 & More
8-Month (IRAs not included2)3.50%3.50%$500.00Bal. $500.00 & More
9-Month (IRAs not included3)4.00%4.00%$500.00Bal. $500.00 & More
12-Month3.92%4.00%$500.00Bal. $500.00 & More
15-Month3.92%4.00%$500.00Bal. $500.00 & More
2-Year2.72%2.75%$500.00Bal. $500.00 & More
24-Month CD Special3.86%3.92%$500.00Bal. $500.00 & More
3-Year2.96%3.00%$500.00Bal. $500.00 & More
4-Year2.96%3.00%$500.00Bal .$500.00 & More
5-Year2.96%3.00%$500.00Bal. $500.00 & More

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice after the account is opened. You must maintain the minimum daily balance of $500.00 to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. A penalty may be imposed for early withdrawal from Certificates of Deposit. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard nine-month term beginning on the maturity date.

39-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date.

Rates current as of 10/1/2026.

IRAs for Education & Retirement

Whether you’re saving for your child’s education or your own retirement, we offer a number of options* designed to help you meet your goals.

*All IRAs have an annual fee which may reduce the earnings on the account.

Minimum Balance to Open: $500

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits

Details

  • Save for retirement or higher education
  • Enjoy potential tax savings with our Traditional and Roth IRAs
  • Start now and add to an IRA regularly—you’ll be prepared when you’re ready to retire
  • Greater flexibility than ever before, including catch-up contributions for customers age 50+
ProductInterest RateAnnual Percentage Yield1Minimum Balance
To Open Account		Minimum Daily Balance To Earn APY
6-Month3.93%4.00%$500.00Bal. $500.00 & More
8-Month (IRAs not included2)3.50%3.50%$500.00Bal. $500.00 & More
9-Month (IRAs not included3)4.00%4.00%$500.00Bal. $500.00 & More
12-Month3.92%4.00%$500.00Bal. $500.00 & More
15-Month3.92%4.00%$500.00Bal. $500.00 & More
2-Year2.72%2.75%$500.00Bal. $500.00 & More
24-Month CD Special3.86%3.92%$500.00Bal. $500.00 & More
3-Year2.96%3.00%$500.00Bal. $500.00 & More
4-Year2.96%3.00%$500.00Bal .$500.00 & More
5-Year2.96%3.00%$500.00Bal. $500.00 & More

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice after the account is opened. You must maintain the minimum daily balance of $500.00 to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. A penalty may be imposed for early withdrawal from Certificates of Deposit. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard nine-month term beginning on the maturity date.

39-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date.

Rates current as of 10/01/2026.

Coverdell IRA (Also Known as Education IRA)

Start saving for qualified education expenses with this tax-advantaged account.

Minimum Balance to Open: $500

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Distributions for qualified education costs are generally tax free
  • Available to everyone, with no age limits

Details

  • All IRAs have an annual fee which may reduce the earnings on the account.
  • Contributions are not tax deductible*
  • No required minimum distributions
  • Contributions up to $2,000 annually are allowed, provided you meet certain income limits
  • Call 781.942.5000 during banking hours, or come to any RCB branch and speak to a Banking Specialist

*Consult your tax advisor.

ProductInterest RateAnnual Percentage Yield1Minimum Balance
To Open Account		Minimum Daily Balance To Earn APY
6-Month3.93%4.00%$500.00Bal. $500.00 & More
8-Month (IRAs not included2)3.50%3.50%$500.00Bal. $500.00 & More
9-Month (IRAs not included3)4.00%4.00%$500.00Bal. $500.00 & More
12-Month3.92%4.00%$500.00Bal. $500.00 & More
15-Month3.92%4.00%$500.00Bal. $500.00 & More
2-Year2.72%2.75%$500.00Bal. $500.00 & More
24-Month CD Special3.86%3.92%$500.00Bal. $500.00 & More
3-Year2.96%3.00%$500.00Bal. $500.00 & More
4-Year2.96%3.00%$500.00Bal .$500.00 & More
5-Year2.96%3.00%$500.00Bal. $500.00 & More

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice after the account is opened. You must maintain the minimum daily balance of $500.00 to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. A penalty may be imposed for early withdrawal from Certificates of Deposit. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard nine-month term beginning on the maturity date.

39-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date.

Rates current as of 10/01/2026.

Traditional/SEP IRA

Whether you’re saving for your child’s education or your own retirement, we offer a number of options designed to help you meet your goals.

Minimum Balance to Open: $500

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Earnings are tax deferred until withdrawal

Details

  • All IRAs have an annual fee which may reduce the earnings on the account.
  • Contributions may be tax deductible*
  • Withdrawals may begin at 59½ years of age, and are mandatory at 73 years of age
  • Must have earned income
  • Penalties for early withdrawals may apply

*Consult your tax advisor.

ProductInterest RateAnnual Percentage Yield1Minimum Balance
To Open Account		Minimum Daily Balance To Earn APY
6-Month3.93%4.00%$500.00Bal. $500.00 & More
8-Month (IRAs not included2)3.50%3.50%$500.00Bal. $500.00 & More
9-Month (IRAs not included3)4.00%4.00%$500.00Bal. $500.00 & More
12-Month3.92%4.00%$500.00Bal. $500.00 & More
15-Month3.92%4.00%$500.00Bal. $500.00 & More
2-Year2.72%2.75%$500.00Bal. $500.00 & More
24-Month CD Special3.86%3.92%$500.00Bal. $500.00 & More
3-Year2.96%3.00%$500.00Bal. $500.00 & More
4-Year2.96%3.00%$500.00Bal .$500.00 & More
5-Year2.96%3.00%$500.00Bal. $500.00 & More

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice after the account is opened. You must maintain the minimum daily balance of $500.00 to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. A penalty may be imposed for early withdrawal from Certificates of Deposit. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard nine-month term beginning on the maturity date.

39-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date.

Rates current as of 10/1/2026.

Roth IRA

Grow your retirement savings and enjoy tax-free withdrawals in retirement. It’s flexible, with no required minimum distributions.

Minimum Balance to Open: $500

Find a Branch

Benefits

  • FDIC insures up to $250,000
  • DIF insures additional deposits
  • Available to everyone, with no age limits

Details

  • Contributions are not tax deductible*
  • Earnings are tax free
  • All IRAs have an annual fee which may reduce the earnings on the account
  • Penalties for early withdrawals may apply

*Consult your tax advisor

ProductInterest RateAnnual Percentage Yield1Minimum Balance
To Open Account		Minimum Daily Balance To Earn APY
6-Month3.93%4.00%$500.00Bal. $500.00 & More
8-Month (IRAs not included2)3.50%3.50%$500.00Bal. $500.00 & More
9-Month (IRAs not included3)4.00%4.00%$500.00Bal. $500.00 & More
12-Month3.92%4.00%$500.00Bal. $500.00 & More
15-Month3.92%4.00%$500.00Bal. $500.00 & More
2-Year2.72%2.75%$500.00Bal. $500.00 & More
24-Month CD Special3.86%3.92%$500.00Bal. $500.00 & More
3-Year2.96%3.00%$500.00Bal. $500.00 & More
4-Year2.96%3.00%$500.00Bal .$500.00 & More
5-Year2.96%3.00%$500.00Bal. $500.00 & More

1Annual Percentage Yield (APY) accurate as of the date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice after the account is opened. You must maintain the minimum daily balance of $500.00 to earn the advertised APY. Fees and withdrawal may reduce earnings on accounts. A penalty may be imposed for early withdrawal from Certificates of Deposit. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

2The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard nine-month term beginning on the maturity date.

39-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date.

Rates current as of 10/1/2026.

Compare accounts

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FeaturesCash Booster Money MarketCD AccountsChristmas Savings AccountGreen Online Savings AccountPassbook Savings Account1Statement Savings AccountStudent Savings AccountStudent Passbook Savings AccountVacation Savings Account2Money Market Deposit Accounts
Open an accountOpen accountFind branchOpen accountOpen accountFind branchFind branchFind branchFind branchOpen accountFind branch
Learn more about productLearn moreLearn moreLearn moreLearn moreLearn moreLearn moreLearn moreLearn moreLearn moreLearn more
Minimum balance to open$10$500$10$10$10$10$10$10$10$10
Minimum daily balance requirement to avoid monthly maintenance fee$2,500$500$103$10 minimum daily balance or direct deposit3$10 minimum daily balance or direct deposit3$10 minimum daily balance or direct deposit3$10 minimum daily balance or direct deposit3$10 minimum daily balance or direct deposit3$10 minimum daily balance or direct deposit3$2,500
Monthly maintenance fee$124$125Yes3Yes3Yes3Yes3Yes3Yes3Yes3$126
Interest earningYes7Yes7Yes8Yes8Yes8Yes8Yes8Yes8Yes8Yes7
Minimum daily balance to earn annual percentage yield$10$10$10$10$10$10$10$10$109$10
ATM surcharge rebateNoNot availableNoNoNoNoNoNoNoNo
Free MasterMoney™ Debit CardNoNot availableNoNoNoNoNoNoNoNo
ATM use and rebatesNoNot availableRCB will not charge its cardholders to use any ATM.10RCB will not charge its cardholders to use any ATM.10NoRCB will not charge its cardholders to use any ATM.10RCB will not charge its cardholders to use any ATM.10NoRCB will not charge its cardholders to use any ATM.10No
Online banking / Bill payYesYesYesYesYes11YesYesYes11YesYes
Additional termsNoNoThis account will have an annual disbursement every October by check or internal transfer.NoNoNoWhen you use a non-Reading Cooperative Bank ATM, we will rebate the ATM usage charges assessed against your account by the ATM service provider. Such a charge, referred to as a “surcharge”, will be credited to your account at the end of each monthly statement cycle. Surcharge notices are posted at ATM locations.NoIf any withdrawal amount is made from this account before the end of the term or if the funds are unavailable to be transferred from the checking account for two consecutive months, this account may be closed. This account will have a disbursement of not less than four (4) months but not greater than twelve (12) months by check or internal transfer.No
Click here for the Comparison Table Disclosures
  1. As an alternative to a personal loan, you may borrow against your passbook savings account.
  2. Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less. Transfers available, please ask a banking specialist for a copy of the terms and conditions for account details.
  3. Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee.
  4. Monthly Maintenance Fee of $12.00 if the balance in the account falls below $2,500.00. Fees may reduce the earnings on the account. This is a tiered rate. Rate may change after the account is opened. Annual Percentage Yield (APY) accurate as of 06/08/2026.
  5. Monthly Maintenance Fee if Minimum Daily Balance of $2,500 is not maintained.
  6. Monthly Maintenance Fee of $12.00 if Minimum Daily Balance of $2,500.00 is not maintained.
  7. Multiple tiers with various interest rates are available. Competitive rates offered.
  8. Fees may reduce the earnings on the account.
  9. $10 in the account each day to obtain the disclosed APY and have a minimum of $25.00 transferred monthly from your RCB checking or Statement Savings Account.
  10. Other ATM operators may impose a surcharge fee. FDIC insures up to $250,000; DIF insures additional deposits.
  11. Online access for a Passbook Account is limited to viewing history and making online transfers into a Passbook Account. Withdrawals and transfers out of the account should be made with a Banking Specialist at an RCB branch.
As an alternative to a personal loan, you may borrow against your passbook savings account.Vacation Savings requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain the stated Annual Percentage Yield (APY). Vacation Savings has a minimum term of 4 months and must pay-out or roll over in 12 months or less. Transfers available, please ask a banking specialist for a copy of the terms and conditions for account details.Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee.Monthly Maintenance Fee of $12.00 if the balance in the account falls below $2,500.00. Fees may reduce the earnings on the account. This is a tiered rate. Rate may change after the account is opened. Annual Percentage Yield (APY) accurate as of 06/08/2026.Monthly Maintenance Fee if Minimum Daily Balance of $2,500 is not maintained.Monthly Maintenance Fee of $12.00 if Minimum Daily Balance of $2,500.00 is not maintained.Multiple tiers with various interest rates are available. Competitive rates offered.Fees may reduce the earnings on the account.$10 in the account each day to obtain the disclosed APY and have a minimum of $25.00 transferred monthly from your RCB checking or Statement Savings Account.Other ATM operators may impose a surcharge fee. FDIC insures up to $250,000; DIF insures additional deposits.Online access for a Passbook Account is limited to viewing history and making online transfers into a Passbook Account. Withdrawals and transfers out of the account should be made with a Banking Specialist at an RCB branch.

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