Loyalty Checking

Earn 4.50% APY on balances up to $25,000

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Loyalty Rates

Loyalty Checking
View All Checking Rates

As High As 4.50% APY*

Loyalty Savings

View All Rates

As High As 4.00% APY*

Bank Here. Earn More.

No monthly fees, no complicated hoops, just everyday banking that pays you back.

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

Regardless of whether you meet the account requirements or not, your Rivermark checking account has no monthly fee! Don't forget to bundle with Loyalty Savings!

Open New Account Convert My Existing Checking

Rivermark debit and credit card plastics

Use Debit OR Credit to Qualify

Make $1,000 or more in monthly debit OR credit card purchases to earn 4.50% APY on balances up to $25,000 for Loyalty Checking. In addition to eStatements and monthly deposits, you can use your Rivermark debit card, a Rivermark credit card, or a blend of both to meet the requirement.***

Explore Our Credit Cards

Enjoy All of the Perks

Early Direct Deposit

Get paid up to two days early—free! Enjoy faster access to your money with Rivermark's Early Direct Deposit feature.

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Overdraft Options

Stay protected from overdraft fees with easy-to-set-up options — saving you money and ensuring peace of mind.

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Digital Banking

Access your accounts anytime, anywhere with free online banking — convenience and control at your fingertips.

Learn More

Mobile Wallet

Make quick, secure payments using your smartphone. Setting up your Rivermark debit or credit card with Apple Pay, Google Pay, and Samsung Wallet is easy.

Learn More

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

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.

$1,000+ in monthly deposits to Loyalty Checking Enrolled in eStatements

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

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.

Frequently Asked Questions

Meet the three monthly requirements and you’ll earn the high Loyalty Checking rate on balances up to $25,000 for that month
- $1,000 in monthly deposits to Loyalty Checking**
- $1,000 or more in debit or credit card purchases each month***
- Enroll in eStatements
Your account remains open and you won't be charged a monthly maintenance fee, but it will earn the standard dividend rate for that month. You can start earning the higher Loyalty Checking rate again as soon as you meet the requirements in a future month.
No. Loyalty Checking has no monthly maintenance fee, whether or not you meet the requirements.

^*APY = Annual Percentage Yield. Rates effective as of September 04, 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.

Loyalty Checking

Earn 4.50% APY With Loyalty Checking

Loyalty Rates