My 4-H Suite is designed to assist youth and young adults, 8 – 19 years of age, who are actively participating in 4-H, learn financial responsibility and good saving habits.
My 4-H Suite of products include:
My 4-H Savings*
- Minimum Opening Deposit – $25.00
- Minimum Balance – $25.00
- Competitive Dividend Rate
*Required to add additional products and services.
My 4-H Certificate*
The “My 4-H Certificate” is designed to give 4-H youth and young adults an additional savings option, earning a higher dividend rate, while their money is on deposit for a longer period of time.
- Minimum Opening Deposit – $100.00
- Minimum Balance – $100.00
- Competitive Dividend Rate
- 12 – Month Term
*Eligible funds for deposit must have been profited from a 4-H related activity. My 4-H Certificates are limited to an annual maximum contribution of $5,000.00 and a cumulative lifetime maximum contribution of $35,000.00 per Social Security Number.
My 4-H Checking*
A transaction account designed to help 4-H youth and young adults learn how to manage their project’s income and expenses.
- Minimum Opening Deposit – $15.00
- No Minimum Balance
- My 4-H Debit Card
- Free ATM withdrawals at RCFCU owned machines
- Online & Mobile Banking and so much more!
* Requires a qualified joint owner for 17 and under youth.
My 4-H Loan**
My 4-H Loan is a tool for 4-H youth and young adults to fund 4-H project expenses, such as livestock, feed, equipment, supplies, operating expenses, tools, etc.
- Minimum Loan Amount – $100.00
- Maximum Loan Amount – $4,000.00
- Maximum Repayment Term – 12 Months
- Minimum Monthly Payment Amount – $25.00*
*If the loan is not paid in full within the 12 – Month Term, a Balloon Payment will be required to pay the remaining balance. **Requires a qualified joint owner for 17 and under youth.