FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
Cash Booster Money Market Deposit Account
Minimum Balance to Open: $10
Benefits
Details
| Monthly Maintenance Fee | Daily Minimum Balance | Tier | Interest Rate | Annual Percentage Yield | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|---|
| $12.00 | $2,500 | $10.00 - $2,499.99 | 0.05% | 0.05% | $100.00 | Bal.>$9.99 and <$2,500.00 | 10/9/2026 |
| $2,500 - $9,999.99 | 2.96% | 3.00% | $100.00 | Bal.>$2,499.99 | 10/9/2026 |
Online Savings Account
Minimum Balance to Open: $10
Benefits
Details
| Product | Tier | Interest Rate | Annual Percentage Yield1Annual 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 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 10/09/2026.2Online Products – Personal accounts only. eStatements and Online Banking are required. | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| Online Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Online Christmas Savings | Standard | 2.96% | 3.00% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Online Vacation Savings | Standard3Vacation 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. | 0.01% | 0.01% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Student Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
| Student Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
- Annual 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 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 10/09/2026.
- Online Products – Personal accounts only. eStatements and Online Banking are required.
- 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.
Student Savings Account
Minimum Balance to Open: $10
Benefits
Details
| Product | Tier | Interest Rate | Annual Percentage Yield12 | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| Online Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Online Christmas Savings | Standard | 2.96% | 3.00% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Online Vacation Savings | Standard3 | 0.01% | 0.01% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Student Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
| Student Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
- Annual 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 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 10/09/2026.
- Online Products – Personal accounts only. eStatements and Online Banking are required.
- 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.
Vacation Savings Account
Minimum Balance to Open: $10
Benefits
Details
| Product | Tier | Interest Rate | Annual Percentage Yield12 | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| Online Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Online Christmas Savings | Standard | 2.96% | 3.00% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Online Vacation Savings | Standard3 | 0.01% | 0.01% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Student Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
| Student Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
- Annual 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 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 10/09/2026.
- Online Products – Personal accounts only. eStatements and Online Banking are required.
- 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.
Christmas Savings Account
Minimum Balance to Open: $10
Benefits
Details
| Product | Tier | Interest Rate | Annual Percentage Yield12 | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| Online Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Online Christmas Savings | Standard | 2.96% | 3.00% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Online Vacation Savings | Standard3 | 0.01% | 0.01% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Student Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
| Student Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
- Annual 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 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 10/09/2026.
- Online Products – Personal accounts only. eStatements and Online Banking are required.
- 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.
Statement Savings Account
Minimum Balance to Open: $10
Benefits
Details
| Product | Tier | Interest Rate | Annual Percentage Yield12 | Minimum Balance To Open Account | Minimum Balance to Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| Online Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Online Christmas Savings | Standard | 2.96% | 3.00% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Online Vacation Savings | Standard3 | 0.01% | 0.01% | $10.00 | Bal. $10.00 and More | 10/9/2026 |
| Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$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 | 10/9/2026 |
| Student Statement Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
| Student Passbook Savings | Standard | 0.01% | 0.01% | $10.00 | Bal.>$9.99 and <$50.00 Bal.>$50.00 | 10/9/2026 |
- Annual 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 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 10/09/2026.
- Online Products – Personal accounts only. eStatements and Online Banking are required.
- 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.
Certificate of Deposit Accounts
Minimum Balance to Open: $500
Benefits
Details
| Product | Term4Annual 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. Rates current as of 10/21/2026. | Interest Rate | Annual Percentage Yield4 | Minimum Balance To Open Account | Minimum Daily Balance To Earn APY | Rates Current As Of |
|---|---|---|---|---|---|---|
| 6-Month CD | 6-Month Term | 3.93% | 4.00% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 8-Month CD | 8-Month Term5Annual Percentage Yield (APY) is accurate as of 10/21/2026. The interest rate is 3.50% and the APY is 3.50%. This is a fixed-rate 8-Month Certificate of Deposit, and the interest rate and APY will remain in effect until maturity. A minimum deposit of $500.00 is required to open the account and earn the disclosed APY. Interest is credited monthly and is not compounded. The APY assumes that interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. The 8-Month CD Special is available for consumer deposits only and is not available for IRA accounts. The maximum online opening deposit is $500,000.00. At maturity, the account will automatically renew into the Bank's standard 9-Month Certificate of Deposit at the rate and APY in effect at the time of renewal. You will have 10 calendar days after maturity to withdraw funds without penalty. Fees may reduce earnings. | 3.50% | 3.50% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 9-Month CD | 9-Month Term69-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. | 4.00% | 4.00% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 12-Month CD | 12-Month Term | 4.16% | 4.25% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 15-Month CD | 15-Month Term | 4.07% | 4.15% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 24-month CD Special | 24-Month Term | 4.11% | 4.20% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 3-Year CD | 3-Year Term | 2.96% | 3.00% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 4-Year CD | 4-Year Term | 2.96% | 3.00% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
| 5-Year CD | 5-Year Term | 2.96% | 3.00% | $500.00 | Bal. $500.00 and More | 10/21/2026 |
- 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 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. Rates current as of 10/21/2026.
- Annual Percentage Yield (APY) is accurate as of 10/21/2026. The interest rate is 3.50% and the APY is 3.50%. This is a fixed-rate 8-Month Certificate of Deposit, and the interest rate and APY will remain in effect until maturity. A minimum deposit of $500.00 is required to open the account and earn the disclosed APY. Interest is credited monthly and is not compounded. The APY assumes that interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. The 8-Month CD Special is available for consumer deposits only and is not available for IRA accounts. The maximum online opening deposit is $500,000.00. At maturity, the account will automatically renew into the Bank's standard 9-Month Certificate of Deposit at the rate and APY in effect at the time of renewal. You will have 10 calendar days after maturity to withdraw funds without penalty. Fees may reduce earnings.
- 9-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.
Looking for Another Option? Visit a Branch and Talk to One of Our Banking Specialists.
Compare Accounts
Not sure which account to choose? Use this chart to find out which one’s right for you.
| Features | Cash Booster Money Market | CD Accounts | Christmas Savings Account | Online Savings Account | Statement Savings Account | Student Savings Account | Vacation Savings Account1 |
|---|---|---|---|---|---|---|---|
| Open an account | Open account | Open account | Open account | Open account | Open account | Open account | Open account |
| Learn more about product | Learn more | Learn more | Learn more | Learn more | Learn more | Learn more | Learn more |
| Minimum balance to open | $10 | $500 | $10 | $10 | $10 | $10 | $10 |
| Minimum daily balance requirement to avoid monthly maintenance fee | $2,500 | No | $102 | $10 minimum daily balance or direct deposit2 | $10 minimum daily balance or direct deposit2 | $10 minimum daily balance or direct deposit2 | $10 minimum daily balance or direct deposit2 |
| Monthly maintenance fee | $123 | No | Yes2 | Yes2 | Yes2 | Yes2 | Yes2 |
| Interest earning | Yes4 | Yes | Yes5 | Yes5 | Yes5 | Yes5 | Yes5 |
| Minimum daily balance to earn annual percentage yield | $10 | $500 | $10 | $10 | $10 | $10 | $106 |
| ATM surcharge rebate | No | Not available | No | No | No | No | No |
| Free MasterMoney™ Debit Card | No | Not available | No | No | No | No | No |
| ATM use and rebates | No | Not available | RCB will not charge its cardholders to use any ATM.7 | RCB will not charge its cardholders to use any ATM.7 | RCB will not charge its cardholders to use any ATM.7 | RCB will not charge its cardholders to use any ATM.7 | RCB will not charge its cardholders to use any ATM.7 |
| Online banking / Bill pay | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Additional terms | No | No | This account will have an annual disbursement every October by check or internal transfer. | No | No | When 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. | If 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. |
Click here for the Comparison Table Disclosures
- 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.
- 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.
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.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.
Make the Switch to RCB
We make it simple. Get in touch today.
Ready to Start Banking Online?
Get the app and manage your accounts on the go.
Hello, Neighbor
Find the branch closest to your home or work.
