River Valley Credit Union has a variety of savings options all built with you in mind.

River Valley Credit Union Savings Rates

Account Name Minimum BalanceRateAPY
Savings$5 minimum. $100 average daily balance to earn interest.0.05%0.05%
Christmas Club$100 average daily balance to earn interest. Funds transfer to savings on October 1st.0.05%0.05%
IRA (Traditional, Roth, and Education)No minimum. $100 average daily balance to earn interest.0.50%0.50%
HSA CheckingNo minimum. $100 average daily balance to earn interest.2.50%2.53%
Money Market$2,500-$9,999.990.10%0.10%
$100,000 and over0.20%0.20%
Share and IRA Certificates of DepositMinimum BalanceRateAPY
6 Month Term$5001.75%1.61%
12 Month Term$5002.00%1.92%
24 Month Term$5002.40%2.32%
36 Month Term$1,0002.60%2.63%
48 Month Term$1,0002.80%2.84%
60 Month Term$1,0003.00%3.04%
12 Month Youth Certificate (One Per Member)$250 ($10,000 Max)2.10%2.02%
90 day penalty will apply for 6 & 12 Month CDs/ 180 day penalty for 24 month CDs and longer. Principle may be reduced. Rates as of 8/1/19 and are subject to change at any time.  Fees may impact earning on saving. Fee Schedule.


To learn about which savings program works best for your goals, call us today (616) 787-7481.