Credit union · NCUA insured
River Valley Credit Union CD Rates
River Valley Credit Union’s best CD rate is 3.87% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How River Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Ames, IA, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
3.76%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $376
Share Certificates
Top rate
Fidelity Bank
4.50%APY
- Term
- 20 months
- Minimum
- $5,000
- Earns on $10,000
- $761
2nd-highest rate
Midwest Heritage
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
River Valley Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo2.84%
- QualifiedQualified3.76%
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 Valley Credit Union 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.
Share Certificates
Up to 3.76%APY · 6 terms
An early withdrawal penalty may apply to share certificates. Fees may reduce earnings. Dividend rates on all share accounts are variable and subject to change monthly.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.61% | 3.71% | 3.82% | 3.71%3.61% $1k–$10k3.82% from $100k | $184 |
| 12 months | 3.66% | 3.76% | 3.87% | 3.76%3.66% $1k–$10k3.87% from $100k | $376 |
| 24 months | 3.30% | 3.40% | 3.51% | 3.40%3.30% $1k–$10k3.51% from $100k | $692 |
| 36 months | 2.73% | 2.84% | 2.94% | 2.84%2.73% $1k–$10k2.94% from $100k | $876 |
| 48 months | 2.43% | 2.53% | 2.63% | 2.53%2.43% $1k–$10k2.63% from $100k | $1,051 |
| 60 months | 2.12% | 2.22% | 2.32% | 2.22%2.12% $1k–$10k2.32% from $100k | $1,160 |
Sources (2)
All captured Sep 18, 2026
Who can join River Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living in or working for a business in Story, Boone, Butler, Dallas, Franklin, Hamilton, Hardin Jasper, Marion, Marshall, Polk, Warren, Webster and Wright counties is eligible to join.
Family and household
- The families of current members are eligible to join the Credit Union.
Membership information collected October 4, 2026.