Credit union · NCUA insured
RiverFall Credit Union Savings Rates
RiverFall Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How RiverFall Credit Union’s savings rates compare
Compared with banks and credit unions near Tuscaloosa, AL, where RiverFall Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RiverFall Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $100
Free Kasasa Saver
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
RiverFall Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.00%
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 RiverFall Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
0.75%APY
Dividends on accounts are computed on average daily balances and posted at month end. Up to 3 withdrawals/transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 0.75% | $75 |
| $25,000 and up | 1.01% | — |
| $50,000 and up | 1.26% | — |
| $100,000 and up | 3.04% | — |
Sources (3)
- riverfallcu.com/accounts/personal-savings
- riverfallcu.com/accounts/perso…ney-market-accounts.html
- riverfallcu.com/services-tools/tools/rates.html
All captured Sep 19, 2026
Free Kasasa Saver
Up to 1.00%APY
Requires a linked Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes checking account. Automatic transfer of cash rewards. Dividends computed on average daily balances and credited on the last day of current statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying for Kasasa Cash or Kasasa Cash Back rewards during Monthly Qualification Cycle (at least 12 debit card purchases post and settle, enrolled in and log into online banking). | 1.00% | $100 | Qualifying for Kasasa Cash or Kasasa Cash Back rewards during Monthly Qualification Cycle (at least 12 debit card purchases post and settle, enrolled in and log into online banking). |
| Any balanceWhen qualifications are not met in Kasasa Cash or Kasasa Cash Back. Entire balance earns base rate. | 0.10% | $10 | When qualifications are not met in Kasasa Cash or Kasasa Cash Back. Entire balance earns base rate. |
| $50,000 and upQualifying for Kasasa Cash or Kasasa Cash Back rewards. Rate earned on portion of balance over $50,000, resulting in an APY range from 1.00% to 0.50% (or 0.67% depending on balance). | 0.50% | — | Qualifying for Kasasa Cash or Kasasa Cash Back rewards. Rate earned on portion of balance over $50,000, resulting in an APY range from 1.00% to 0.50% (or 0.67% depending on balance). |
Sources (3)
- riverfallcu.com/accounts/personal-savings
- riverfallcu.com/accounts/perso…s/free-kasasa-saver.html
- riverfallcu.com/services-tools/tools/rates.html
All captured Sep 19, 2026
Member Savings
0.25%APY
Establishes credit union membership. Dividends computed on average daily balances and posted at month end.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Sources (3)
- riverfallcu.com/accounts/personal-savings
- riverfallcu.com/accounts/perso…ings/member-savings.html
- riverfallcu.com/services-tools/tools/rates.html
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.50%APY
Includes Traditional, Roth, SEP, and Coverdell Education Savings Account (ESA). Dividends computed on average daily balances and posted at month end. Early withdrawal penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (3)
- riverfallcu.com/accounts/personal-savings
- riverfallcu.com/accounts/perso…ement-accounts-iras.html
- riverfallcu.com/services-tools/tools/rates.html
All captured Sep 19, 2026
Christmas Club Accounts
0.25%APY
Funds conveniently deposited to Member Savings account on October 31st. Dividends computed on average daily balances and posted at month end.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFunds deposited to Member Savings account on October 31st.$5 and up | 0.25% | $25 | Funds deposited to Member Savings account on October 31st. |
Sources (3)
- riverfallcu.com/accounts/personal-savings
- riverfallcu.com/accounts/perso…stmas-club-accounts.html
- riverfallcu.com/services-tools/tools/rates.html
All captured Sep 19, 2026
Who can join RiverFall Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Bibb, Fayette, Greene, Hale, Pickens, or Tuscaloosa counties.
Cost to join
- A $5 minimum deposit and minimum balance in a savings account is required for membership.
Membership information collected October 4, 2026.