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How to Upgrade Your Account

To Loyalty Checking or Loyalty Savings

Convert Your Existing Account to a Loyalty Account

We're so happy that you have decided to convert your Rivermark checking or savings account to one our new Loyalty products (Loyalty Checking or Loyalty Savings)!

Simply follow the steps below to request that your existing account is converted and start taking advantage of the Loyalty account benefits. You may also have your account converted via Contact Center, Live Chat or at a branch.

Request to Convert your existing account in Digital Banking!

  1. Login to Digital Banking

  2. Click Secure Message Center in the Support & Resources menu

  3. Click Compose

  4. In the Subject box, select Upgrade to Loyalty Account

  5. Choose the account you want to convert to Loyalty Checking or Loyalty Savings and send the message

  6. You will receive an email when your account has been converted to a Loyalty Product (within 24 business hours)

  7. Start enjoying the benefits of Loyalty Checking or Loyalty Savings

Loyalty Options

Loyalty Checking

Big banks pay you very little in interest and charge you big monthly fees. With Loyalty Checking, you’ll enjoy a truly free checking account that pays one of the area's highest rates*.

  • Earn 4.50% APY* on balances up to $25,000
  • No monthly maintenance fees

Qualifying is easy!

  • $1,000 in monthly deposits to Loyalty Checking**
  • $1,000 or more in debit or credit card purchases each month***
  • Enroll in eStatements
Account Details

Loyalty Savings

Earn a competitive 4.00% APY* on your savings while enjoying full access to your money anytime. Loyalty Savings rewards everyday banking with higher earnings on balances up to $25,000.

  • Earn 4.00% APY on balances up to $25,000
  • No monthly maintenance fees

Qualifying is easy!

  • $1,000 in monthly deposits to checking**
  • Enroll in eStatements
  • No gimmicks—just simple, steady earnings
Account Details

See How Much You Could Earn

Loyalty Bundle Calculator — Rivermark Community Credit Union

Loyalty Checking

 

First $25,000 earns 4.50% APY* when you qualify that month.

Checking balance $5,000
$0 $25,000

$1,000 combined spend requirement. Any mix of cards works.

Debit Card
$750
Cash Back Credit Card
$250
Platinum Credit Card
$0
Combined monthly spend $1,000
$1,000 required, combined across all cards

Loyalty Savings

 

First $25,000 earns 4.00% APY* when you qualify that month.

Savings balance $4,500
$0 $25,000

Monthly requirements

These two apply to both Loyalty Checking and Loyalty Savings, not just one account.

See the Earnings Add Up

Loyalty Checking interest $0/yr
Loyalty Savings interest $0/yr
Cash Back Credit Card earnings $0/yr

Estimated Annual Bundle Earnings

$0

Based on the balances and spending you entered above, held steady for 12 months.

This is an estimate for illustrative purposes only and not a guarantee of actual earnings. Results are based on the information you entered and assume that current rates and benefits remain unchanged.

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*APY = Annual Percentage Yield.  Rates effective as of September 17, 2026. The disclosed APY assumes a maximum balance of $35,000.

Loyalty Checking: $25 minimum deposit to open. Balances of $25,000.01 or more earn 4.50-3.23% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Checking balance will earn .05% APY. Loyalty Checking is a variable rate account. The rate may change after account opening. Consumer accounts only. Only one Loyalty Checking account per membership.

Loyalty Savings: $5 minimum deposit required to open. Balances of $25,000.01 or more earn 4.00-2.87% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Savings balance will earn .05% APY.  This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.

**Eligible deposits must post to the account and be available (must not be pending or held) at the end of the cycle. Deposits originated from other Rivermark accounts, overdraft transfers, Rivermark loan proceeds or credit card advances, fee reversals, refunds, deposits returned unpaid, or credit card point redemptions do not qualify.

***Small Business Credit Card transactions do not qualify.

†Earn 1.5% unlimited cash back with every purchase. Credit limits from $5,000 to $50,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of September 17, 2026 and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request. For more information regarding extra Visa benefits offered, view the Cash Back Credit Card Benefits Guide. Click here for Application & Solicitation Disclosure. Cash Back Rewards Terms & Conditions: https://www.rivermarkcu.org/cash-back-card-rewards-terms