Credit union · NCUA insured
River Community CU CD Rates
River Community CU’s best CD rate is 3.40% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 5, 2026.
How River Community CU’s CD rates compare
Compared with banks and credit unions near Ottumwa, IA, where River Community CU has the most branches. $10,000, best rate first.
This credit union’s best
River Community CU
3.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $692
Certificates of Deposit
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
South Ottumwa Savings Bank
4.31%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $468
River Community CU CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.40%
- QualifiedQualified3.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where River Community CU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.40%APY · 3 terms
Minimum deposit of $1,000 to open. Additional rates available when depositing over $10,000. Dividends paid at maturity.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum deposit $1,000 | 2.52% | — | 2.52% | $125 |
| 6 monthsMinimum deposit over $10,000 | — | 2.78% | 2.78% | $138 |
| 12 monthsMinimum deposit $1,000 | 3.04% | — | 3.04% | $304 |
| 12 monthsMinimum deposit over $10,000 | — | 3.30% | 3.30% | $330 |
| 24 monthsMinimum deposit $1,000 | 3.14% | — | 3.14% | $638 |
| 24 monthsMinimum deposit over $10,000 | — | 3.40% | 3.40% | $692 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
3.40%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.40% | $340 |
Sources (1)
- rivercommunitycu.org/s/Rates-01022026.pdf · captured Sep 18, 2026
Kirby Share Certificate
Up to 3.04%APY · 1 term
Must be under age 18.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.10% | $110 |
| 12 monthsMust be under age 18 | 3.04% | $304 |
Sources (2)
All captured Sep 18, 2026
Who can join River Community CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.