Credit union · NCUA insured
Riverfront Federal Credit Union CD Rates
Riverfront Federal Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Riverfront Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Reading, PA, where Riverfront Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Riverfront Federal Credit Union
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $400
Preferred Certificates
Top rate
Sun Federal Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
Riverfront Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.90%
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 Riverfront Federal 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.
Preferred Certificates
Up to 4.00%APY · 9 terms
Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.75% | $92 |
| 6 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $188 |
| 12 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 4.00% | $400 |
| 18 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $575 |
| 24 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $774 |
| 30 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $977 |
| 36 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.85% | $1,200 |
| 48 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.85% | $1,631 |
| 60 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.90% | $2,108 |
Sources (3)
- riverfrontfcu.org/rates
- riverfrontfcu.org/products-services
- riverfrontfcu.org/personal-accounts/savings/certificates
All captured Oct 6, 2026
Nonpreferred Certificates
Up to 3.90%APY · 9 terms
Available to members who live, work, worship, or attend school in Berks County, PA, or eligible family/legal entities with a $5.00 savings deposit. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed to maturity. Subject to early withdrawal penalty | 3.65% | $90 |
| 6 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $183 |
| 12 monthsFixed to maturity. Subject to early withdrawal penalty | 3.90% | $390 |
| 18 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $560 |
| 24 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $754 |
| 30 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $951 |
| 36 monthsFixed to maturity. Subject to early withdrawal penalty | 3.75% | $1,168 |
| 48 monthsFixed to maturity. Subject to early withdrawal penalty | 3.75% | $1,587 |
| 60 monthsFixed to maturity. Subject to early withdrawal penalty | 3.80% | $2,050 |
Sources (3)
- riverfrontfcu.org/rates
- riverfrontfcu.org/products-services
- riverfrontfcu.org/personal-accounts/savings/certificates
All captured Oct 6, 2026
Special-purpose accounts
Preferred IRA & Education Certificates
Up to 4.00%APY · 9 terms
Preferred Traditional IRA, Roth IRA, and Education Savings Certificates. Corresponding savings account for Traditional IRA, Roth IRA or Education Savings Account required. Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.75% | $92 |
| 6 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $188 |
| 12 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 4.00% | $400 |
| 18 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $575 |
| 24 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $774 |
| 30 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.80% | $977 |
| 36 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.85% | $1,200 |
| 48 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.85% | $1,631 |
| 60 monthsRequires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty | 3.90% | $2,108 |
Sources (3)
- riverfrontfcu.org/rates
- riverfrontfcu.org/products-services
- riverfrontfcu.org/personal-accounts/savings/certificates
All captured Oct 6, 2026
Nonpreferred IRA & Education Certificates
Up to 3.90%APY · 9 terms
Traditional IRA, Roth IRA, and Educational / Education Savings Certificates. Corresponding savings account for Traditional IRA, Roth IRA or Education Savings Account required. Available to members who live, work, worship, or attend school in Berks County, PA, or eligible family/legal entities with a $5.00 savings deposit. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed to maturity. Subject to early withdrawal penalty | 3.65% | $90 |
| 6 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $183 |
| 12 monthsFixed to maturity. Subject to early withdrawal penalty | 3.90% | $390 |
| 18 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $560 |
| 24 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $754 |
| 30 monthsFixed to maturity. Subject to early withdrawal penalty | 3.70% | $951 |
| 36 monthsFixed to maturity. Subject to early withdrawal penalty | 3.75% | $1,168 |
| 48 monthsFixed to maturity. Subject to early withdrawal penalty | 3.75% | $1,587 |
| 60 monthsFixed to maturity. Subject to early withdrawal penalty | 3.80% | $2,050 |
Sources (3)
- riverfrontfcu.org/rates
- riverfrontfcu.org/products-services
- riverfrontfcu.org/personal-accounts/savings/certificates
All captured Oct 6, 2026
Who can join Riverfront Federal 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 who currently lives, works, worships, or attends school in Berks County, Pennsylvania is eligible to join.
Family and household
- Spouses, children, parents, siblings, grandparents, grandchildren, in-laws, and household members of current members are eligible for membership.
Other ways
- Legal entities doing business in Berks County or organizations of qualifying persons are eligible to join.
Cost to join
- Membership requires a $5.00 deposit into a savings account.
Membership information collected October 5, 2026.