Credit union · NCUA insured
River Valley Credit Union CD Rates
Top CarrotRiver Valley Credit Union’s best CD rate is 3.66% APY on a 5-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 Grand Rapids, MI, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
3.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,969
Share Certificates
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
River Valley Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.66%
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 3.66%APY · 6 terms
Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
| Term | APY · Any balance | APY · Up to $10,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.45% | — | 3.45% | $171 |
| 12 months | 3.51% | — | 3.51% | $351 |
| 12 monthsOne per member. Maximum balance $10,000 | — | 3.45% | 3.45% | $345 |
| 24 months | 3.56% | — | 3.56% | $725 |
| 36 months | 3.56% | — | 3.56% | $1,106 |
| 48 months | 3.61% | — | 3.61% | $1,524 |
| 60 months | 3.66% | — | 3.66% | $1,969 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Share Certificate
3.45%APY · 1 term
One per member. Maximum deposit $10,000. Fixed rate in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies (90 days' dividends for terms 12 months or less). Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOne per member. Maximum balance $10,000 | 3.45% | $345 |
Sources (1)
- myrivervalleycu.org/wp-content…e-Charges-04-22-2026.pdf · captured Oct 5, 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
- Persons who live, work, or worship in Kent, Montcalm, or Ionia County, Michigan are eligible to join.
Other ways
- Individuals aged 55 or older who receive retirement annuity, pension, Social Security, or similar retirement income and reside in or belong to a retirement organization located in Kent, Montcalm, or Ionia County, Michigan are eligible to join.
Membership information collected October 5, 2026.