Credit union · NCUA insured
Rivertrust Federal Credit Union CD Rates
Top CarrotRivertrust Federal Credit Union’s best CD rate is 4.06% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Rivertrust Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MS, where Rivertrust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rivertrust Federal Credit Union
4.06%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,202
Term Share Certificate
Top rate
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Rivertrust Federal Credit Union CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.06%
- QualifiedQualified4.06%
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 Rivertrust 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.
Term Share Certificate
Up to 4.06%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend Posting Period: maturity | 0.25% | $6 |
| 6 monthsDividend Posting Period: maturity | 3.00% | $149 |
| 12 monthsDividend Posting Period: maturity | 3.25% | $325 |
| 18 monthsDividend Posting Period: quarterly | 3.29% | $498 |
| 24 monthsDividend Posting Period: quarterly | 3.55% | $723 |
| 30 monthsDividend Posting Period: quarterly | 3.80% | $977 |
| 60 monthsDividend Posting Period: quarterly | 4.06% | $2,202 |
Sources (1)
- rivertrustfcu.com/rates.php · captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 4.06%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividend Posting Period: quarterly | 3.29% | $498 |
| 24 monthsDividend Posting Period: quarterly | 3.55% | $723 |
| 30 monthsDividend Posting Period: quarterly | 3.80% | $977 |
| 60 monthsDividend Posting Period: quarterly | 4.06% | $2,202 |
Sources (1)
- rivertrustfcu.com/rates.php · captured Sep 19, 2026
Who can join Rivertrust 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
- Individuals who live, work, attend school, worship, volunteer, or regularly conduct business in the credit union's outlined trade area are eligible to join.
Employers and groups
- Members of Friends of the Pearl Library who live in Mississippi are eligible to join.
- Members of Friends of the Richland Library who live in Mississippi are eligible to join.
- Employees of participating business organizations and select employee groups within the trade area are eligible for membership.
Family and household
- Family members (spouses, parents, step-parents, children, siblings, grandparents, grandchildren, step-children, step-siblings, and adoptive relationships) and household members of eligible organization employees are eligible for membership.
Membership information collected October 4, 2026.