SCAM ALERT: Be very careful if your phone suddenly stops working or you get messages about changes you didn’t make — it could be a scam called SIM swapping, where criminals steal your phone number (through phishing, social media, or data breaches) and gain access to your bank accounts by contacting your mobile carrier's customer service, claiming your phone is lost or damaged, and requesting your phone number be transferred to a new SIM card they control. If this happens to you, please contact your phone company and the bank right away.

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Federal Employee Loan Program

Our Federal Shutdown Emergency Loan is powered by Emloan and provides support to RCB customers who work for the Federal Government and were not paid during the government shutdown.

  • Term: 90 days or 15 days after shutdown.
  • APR: 6.99%
  • Loan Amount:
    • Maximum funds available is $10,000 per employee.
    • Federal employees can borrow up to two times net biweekly pay, which is the equivalent of one month's salary.
    • The application requires your last two paystubs prior to the shutdown and a license photo.

When completing the application, type in "Federal Government" in the employer field. Once the application is approved, a Statement Savings Account will be opened for you, or you can authorize a deposit into your existing RCB account.

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Statement Savings Account10.01%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

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.

Rates current as of 11/03/2025.