Credit union · Privately insured
River Valley Credit Union CD Rates
Top CarrotRiver Valley Credit Union’s best CD rate is 4.25% APY on a 15-month 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 Dayton, OH, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $534
CD Special
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
River Valley Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.25%
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.
CD Special
Up to 4.25%APY · 2 terms
Offer valid September 14-November 14, 2026. Existing River Valley Credit Union funds are not eligible for this promotion. Dividends compound and are credited monthly. Early withdrawal penalties apply and may reduce earnings. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsOffer valid September 14-November 14, 2026. Existing funds not eligible. Dividends compound and are credited monthly. Early withdrawal penalties apply | 4.00% | $299 |
| 15 monthsOffer valid September 14-November 14, 2026. Existing funds not eligible. Dividends compound and are credited monthly. Early withdrawal penalties apply | 4.25% | $534 |
Jumbo Certificates
Up to 4.20%APY · 4 terms
Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | 4.00% | — |
| 36 months | 4.05% | — |
| 48 months | 4.10% | — |
| 60 months | 4.20% | — |
Certificates
Up to 4.10%APY · 7 terms
Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.70% | — | 3.70% | $183 |
| 12 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 3.80% | 3.80% | $380 |
| 18 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 3.85% | 3.85% | $583 |
| 24 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 3.90% | 3.90% | $795 |
| 36 months | — | 3.95% | 3.95% | $1,232 |
| 48 months | — | 4.00% | 4.00% | $1,699 |
| 60 months | — | 4.10% | 4.10% | $2,225 |
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 7 terms
Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.80% | — | 3.80% | $188 |
| 12 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 4.00% | 4.00% | $400 |
| 18 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 3.95% | 3.95% | $598 |
| 24 monthsBump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate | — | 4.00% | 4.00% | $816 |
| 36 months | — | 4.05% | 4.05% | $1,265 |
| 48 months | — | 4.10% | 4.10% | $1,744 |
| 60 months | — | 4.20% | 4.20% | $2,284 |
Sources (3)
All captured Oct 6, 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
- You can join if you live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties.
Membership information collected October 5, 2026.