Rivermark Community Credit Union Savings Rates

Consumer memberships only; limit one Loyalty Savings account per membership. Variable rate account. Requires receiving e-statements and $1,000 or more in eligible deposits to any Rivermark Checking account within the same membership during each monthly cycle to earn higher rates; otherwise earns 0.05% APY on the entire balance. Advertised APY range assumes a maximum balance of $35,000. $5 minimum deposit required to open.

On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.

Retired deposit product; not available for new account openings. Available to new members who meet monthly qualification requirements: 1) new member to credit union (no open Rivermark membership in last 6 months); 2) open a Rivermark checking account (excludes HSA); 3) direct deposit of $100.00 or greater post to checking each month. Limited to one account per member. 12 month term; after 12 months or if requirements not met, converts to Savings account. Variable APY, rate may change at any time. Fees may reduce earnings.

Retired deposit product; not available for new account openings. Available to new memberships only, within the first 30 days that membership is established, must be 18 years or older, one account per member. Variable APY, rate may change at any time. Fees may reduce earnings. APY of 3.00% applies only to the first $100,000. Portion over $100,000 earns 0.05%.

On $10,000 the tiers blend to about 3.00% APY, earning $300 a year.

Minimum deposit to open is $2,500. No monthly account fees. Variable rate account; interest compounded daily and credited monthly. Rate for your balance range applies to the entire account.

Dedicated first-time home buyer savings account open to Oregon residents who have not purchased or owned a single-family home in the 3 years prior to planned purchase date. Must be opened between January 1, 2019 and December 31, 2026. Only one account per person. Contributions allowed for up to 10 years or until home purchase. Converts to savings account on the first day of the month following 10 years from account opening. Variable rate account; rate may change after opening without notice. Interest compounded and credited monthly. Blended APY rate range assumes a maximum balance of $5,000. Oregon state tax deduction up to $6,285/year ($12,570 joint), maximum $50,000 total across all years.

On $10,000 the tiers blend to about 0.10% APY, earning $10 a year.

Member Share Account. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly. Every member must have a basic Savings account with at least a $5 balance to maintain a share in the credit union. No monthly fee.

Name your account for your savings goal and track progress more easily. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly.

Traditional IRA, Roth IRA, and ESA options available. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly. No set-up or annual maintenance fees. Minimum opening deposit $5.00.

Must be between the ages of 14 and 22 years old. Only one Start Savings account per member and member number. Under 18 requires parent or guardian as joint owner. On the first day of the month following 23rd birthday, converts to a Savings account. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly. Free, no monthly service fees. Assumes maximum balance of $5,000 when calculating blended APY rate range.

On $10,000 the tiers blend to about 0.10% APY, earning $10 a year.

For youth members under 18 years old (ages 0 to 17) not yet ready to manage their own accounts. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly. No monthly maintenance fee. Unlimited transactions. $5 minimum balance.

Retired deposit product; not available for new account openings. A minimum of $10,000.00 in new funds (from a financial institution other than Rivermark, not deposited into Rivermark more than 5 business days prior) is required to earn the 3.00% APY. Limit one account per membership. Business accounts not eligible. Variable APY, rate may change at any time. Fees may reduce earnings.

Retired deposit product; not available for new account openings. Dollar Dog membership is valid until the member reaches age 13, at which time the account converts to a Savings account. GO! Money membership is valid until age 18, at which time Go Savings converts to a Savings account. Minimum balance to earn and to open is $5.00. Variable APY, rate may change at any time. Fees may reduce earnings.

Retired deposit product; not available for new account openings. Free withdrawal periods: March 1 \u2013 April 30 and October 15 \u2013 December 15. A $10 early withdrawal fee applies for each withdrawal taken outside of the free withdrawal periods. Business accounts not eligible. Variable APY, rate may change at any time. Fees may reduce earnings.

Retired deposit product; not available for new account openings. On November 1st each year, all funds in the account (less $0.01 required to keep account open) automatically transfer to checking (or savings if no checking). Renewed automatically each year. Members may withdraw or transfer funds at any time without penalty. Variable APY, rate may change at any time. Fees may reduce earnings.

Retired deposit product; not available for new account openings. To earn Tier 1 or 2 rates, must sign up for and receive e-Statements; if requirement not met, earns non-qualified rate. Only one Rewards Savings account allowed per membership. Business accounts not eligible. Variable APY, rate may change at any time. Fees may reduce earnings.