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5 Steps to Get Started with Red Capital

Selecting the Right Institutions

Banks vs. Credit Unions

Red Capital makes it simple to incorporate products from both banks and credit unions into your portfolio! While both are safeguarded by federal deposit insurance and share numerous similarities, there are still notable features that set them apart.

Save with Purpose

In our savings marketplace, you have the flexibility to filter our partner institutions using a range of attributes, enabling you to save in accordance with your personal values and the institutions that resonate with them.

Maximizing Your Benefits with Red Capital Partners

 Maximizing Your Benefits with Red Capital Partners

Discover how to fully leverage the advantages of Red Capital Partners. By diversifying your savings across multiple institutions within our network, each insured up to $250,000, you can enhance the security of your investments. Our platform offers a variety of products to help you implement effective strategies like CD laddering, providing steady returns and predictable outcomes. Additionally, our partner banks and credit unions align with values that matter to you, ensuring that your savings not only grow but also contribute to meaningful causes.

Selecting the right savings products

Our affiliated banks and credit unions present a diverse array of high-yield savings products, granting you exceptional access to tailor a personalized savings strategy that aligns with your specific requirements. Simplifying the process for you, we enable easy comparison of crucial details such as interest rates and term length. These are the categories of savings products available on the Red Capital platform.

HYSA/MMDA

HYSA/MMDA

Benefit from above-average returns and enhanced liquidity through variable interest rates.

High-yield CDs

High-yield CDs

Secure a fixed interest rate for a specific duration, ensuring a guaranteed return on your investment.

No penalty CDs

No penalty CDs

Opt for a locked-in rate with the flexibility of a no-fee early withdrawal option.

Is there anything else I need to know?

Commencing your journey with Red Capital is straightforward, and the best part is, there are no fees! We're dedicated to assisting you in maximizing your savings experience and offer a variety of resources to enhance your understanding of Red Capital. Explore the information below for guidance on the fundamental steps, from registering for an account to shaping the most effective savings strategy.

How Red Capital works

How Red Capital works

Discover the inner workings of Red Capital and understand the flow of funds through our platform.

Education Center

Enhance your knowledge with savings tips and guides on maximizing the benefits of Red Capital.

Education Center
How to Register

Follow this step-by-step guide to learn precisely how to open a Red Capital account.

Quick Start

Products

About

Help & Info

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Certificate of Deposit 

cds

6% cd rates

high yield savings account

best high yield savings account

best cd rates

best cd rates near me

Certificate of Deposit 

cds

6% cd rates

high yield savings account

best high yield savings account

best cd rates

best cd rates near me

Certificate of Deposit 

cds

6% cd rates

high yield savings account

best high yield savings account

best cd rates

best cd rates near me

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©2024 Red Capital Partners. All Rights Reserved.

Important Notice Regarding FDIC Insurance

Red Capital is a digital savings platform that does not hold or claim to hold Federal Deposit Insurance Corporation (FDIC) insurance. We believe in complete transparency with our users regarding the nature of our services and protections. For more information about specific coverage and protections for your funds, please review your service agreement or contact our customer service team.

Red Capital is a financial technology company, not a bank. Banking services are provided by our partner banks.

For clients based in the United States, payment services for Red Capital are facilitated through our licensed money transmitter partners in compliance with federal and state regulations.
 

Our payment services partner is registered with FinCEN and authorized to transmit money in 39 states.

Customer funds are securely held in custodial deposit accounts through RedCapital.Partners . By using our services, each customer authorizes our partner custodian bank to hold their funds in these accounts to facilitate deposits and withdrawals for various bank and credit union products requested through RedCapital.Partners. The custodian bank does not dictate the terms of these products nor offer advice to customers regarding them.
 

Accredited Investor Information

Important Notice Regarding Investment Products and Services:

 

While not all Red Capital products require accredited investor status, certain offerings are limited to accredited investors as defined by SEC regulations. An accredited investor is generally defined as an individual with:

- Annual income exceeding $200,000 ($300,000 for joint income) for the past two years with the expectation of maintaining the same level or higher, or

- Net worth exceeding $1 million (excluding primary residence), either individually or jointly with a spouse

 

Account Structure and Relationship:

When participating in our services, you do not establish a direct agreement with any Product Bank. Instead, you appoint Red Capital as your custodian for funds deposited in CDs, MMDAs, or held in Cash Accounts at Product Banks. We maintain and manage these Deposit Accounts as your custodian.

 

This information is provided for general educational purposes only and should not be construed as financial or investment advice. Please consult with qualified financial professionals regarding your specific situation.

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