One RMO Membership covering checking, savings, CDs, mortgage, auto finance, credit cards, MyAuto + MyHome + MyTech + MyShield protection, roadside, and human services — member-rate pricing across every category.
The four personal categories where RMO member pricing typically beats the major incumbents by the largest margin.
Member-rate APY across MyStart, MyWay, MyGrowth, and MyReserve savings. FDIC-insured, $0 fee, $0 minimum. Beats Marcus, Ally, and SoFi posted rates.
View Savings →MyAuto Basic, Plus, Premier, and Elite tiers with accident forgiveness, OEM parts, and vanishing deductible. Bundle with MyHome for stacked discounts.
Get a Quote →MyTech I–IV cover phones, laptops, tablets, and household electronics with no deductible. Multi-device coverage that undercuts AppleCare and Asurion.
View MyTech →Purchase, refinance, home equity, and construction lending with member rates and a dedicated loan officer. Equal Housing Lender.
View Mortgage →*Savings vary based on individual driving record, vehicle, coverage levels, state, and underwriting approval.
Six product categories. Pick where you want to start.
Checking, savings, CDs, money market, 401(k), and currency exchange. FDIC-insured deposits with member-rate APY.
View all Money products →Credit cards, auto loans, mortgages, personal & student loans, line of credit, and BNPL — all at member-rate APR.
View all Lending →MyAuto, MyHome, MyProperty, MyTech, MyShield, plus roadside assistance — comprehensive coverage with bundle discounts.
View all Protection →New + used auto loans, refinance, RV and powersport. Plus extended vehicle service contracts at member rates.
View Auto Finance →One membership across every category. Switch & Save offers for new members. Compare against the major incumbents.
Explore Membership →Financial counseling, legal assistance, wellness programs, and personalized guidance — real help backed by your membership.
Explore Human Services →RMO products and member pricing tailored to each stage of your financial life — from first job to retirement.
Side-by-side comparisons of RMO personal products vs. the major incumbents — honest pricing, honest tradeoffs.
Most members come over from 3-5 separate providers (one bank, one credit card, one insurance carrier, etc.). Here’s how it typically goes.
One application opens RMO Membership Club. Pick your tier — member rates apply immediately across banking, lending, insurance, and protection.
Open RMO Bank checking + savings first. Then add MyAuto, MyHome, MyTech, MyShield based on what you currently pay for elsewhere. Switch & Save offers help offset transition costs.
Redirect direct deposits, recurring bill pay, insurance policies, and loan refinances over 30-90 days. Run side-by-side with incumbents to avoid coverage gaps.
Real member services — financial counseling, in-person help, and the MyRMO app for self-serve banking.
24/7 Member-By-Phone, secure messaging through MyRMO, and chat support.
Contact Member ServicesSelf-serve banking, deposits, transfers, claims, and member offers in one app.
Open MyRMOBudget review, debt-reduction strategy, and financial-wellness coaching through Human Services.
Talk to a CounselorIn-person banking, lending consultations, and complex-account help.
Find a LocationSearchable FAQs and how-to guides for every personal product and account type.
Visit Help CenterNew-member offers to help offset transition costs when moving from other providers.
See Switch & Save Offers