Some of the benefits include money market savings accounts, no-fee eChecking with debit cards, personal loans and credit lines, real estate loans and credit lines, share certificates, 24-hour online account access, and 24-hour Member Care that offers support by phone or online. RFCU offers competitive interest rates on both savings and lending, and funds are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. government. Owned by its members
and directed by an elected volunteer board, RFCU earnings accrue to the benefit of the credit
union's members, not stockholders.