Credit union · NCUA insured
Riverfront Federal Credit Union Savings Rates
Riverfront Federal Credit Union’s best savings rate is 1.20% APY on $10,000, with its Traditional Money Market. Rates checked October 16, 2026.
How Riverfront Federal Credit Union’s savings 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
2.35%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $235
Preferred Step-Up Money Market
Top rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Ephrata National Bank
3.39%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $339
Riverfront Federal Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.20%
- QualifiedQualified2.35%
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 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.
Preferred Step-Up Money Market
2.35%APY
Available only for personal accounts for members 18 and older with an account open at least 60 days. Fiduciary accounts, organizational accounts, DBA and Trust accounts are not eligible. To qualify for a monthly qualification cycle (26th of prior month to 25th of current month), account must have at least 15 combined purchase transactions with debit or credit card and meet one of two criteria: 1) Average daily balance or month-end balance of all deposit accounts is $5,000 or more; or 2) month-end loan balance is $20,000 or more. If qualifications are not met, account earns dividend rates of the regular Step-Up Money Market account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 2.35% | $235 |
Sources (1)
- riverfrontfcu.org/rates · captured Oct 16, 2026
Traditional Money Market
1.20%APY
Start earning dividends with as low as $500 in account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $5,000 | 0.70% | — |
| $5,000 – $10,000 | 1.20% | — |
| $10,000 and up | 1.20% | $120 |
Sources (2)
All captured Oct 16, 2026
Step-Up Money Market
1.10%APY
Up to three (3) free withdrawals or outgoing transfers each calendar month with no service fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 1.10% | $110 |
| $10,000 – $25,000 | 1.10% | — |
Sources (2)
All captured Oct 16, 2026
Escrow Account
0.25%APY
No minimum balance. No monthly service charge. Dividends paid monthly on average daily balance of $1 or more. Up to a combination of 6 withdrawals and/or transfers per month allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDividends paid monthly on average daily balance of $1 or more.$1 and up | 0.25% | $25 | Dividends paid monthly on average daily balance of $1 or more. |
Sources (2)
All captured Oct 16, 2026
Primary Savings
0.25%APY
Must meet membership eligibility requirements (live, work, worship, attend school, or business in Berks County, PA, or immediate family of a current member). Requires $5 minimum balance to maintain account. Dividends paid monthly on daily balance of $5 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly on daily balance of $5 or more.$5 and up | 0.25% | $25 | Dividends paid monthly on daily balance of $5 or more. |
Special-purpose accounts
Education Savings Account (CESA)
1.30%APY
Custodial account designed to save for a child's education expenses from kindergarten through college. Non-deductible contributions permitted for a student under 18, up to $2,000 per year per child. Income limits apply. No setup fee, no annual fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 1.30% | — |
| $5,000 – $10,000 | 1.30% | — |
| $10,000 and up | 1.30% | $130 |
Sources (2)
All captured Sep 17, 2026
Individual Retirement Account (IRA) Savings
1.30%APY
Offers Traditional IRA and Roth IRA account options. Federally insured separately by NCUA up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 1.30% | — |
| $5,000 – $10,000 | 1.30% | — |
| $10,000 and up | 1.30% | $130 |
Sources (3)
- riverfrontfcu.org/rates
- riverfrontfcu.org/products-services
- riverfrontfcu.org/personal-acc…-retirement-accounts-ira
All captured Oct 16, 2026
Club Account
0.25%APY
Includes Vacation Club and Holiday Club options. No minimum balance. No monthly service charge. Dividends paid monthly on average daily balance of $1 or more. Up to a combination of 6 withdrawals and/or transfers per month allowed. In early November, Holiday Club balance automatically transfers to savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDividends paid monthly on average daily balance of $1 or more.$1 and up | 0.25% | $25 | Dividends paid monthly on average daily balance of $1 or more. |
Sources (2)
All captured Oct 16, 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.