THE LOYALTY BOOST

4.50 % APY*

LOYALTY CHECKING

Checking That Pays

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Earn More With Loyalty Checking

Big banks pay you very little in interest and charge you big monthly fees. With our high-yield Loyalty Checking, you’ll enjoy a truly free checking account while earning 4.50% APY on balances up to $25,000,* with full access to your money whenever you need it, and no monthly maintenance fee. It’s a simple way to make your money work harder without giving up flexibility.

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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.

Enjoy All Our Perks

No Monthly Fee or Minimum Balance

Rivermark doesn’t charge a monthly service fee on any of our checking accounts. And we don’t impose pesky minimum balance requirements.

Early Direct Deposit

Get paid up to two days early and enjoy the flexibility and control of knowing your deposit will be there when you need it most.

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Overdraft Options

Protect yourself against overdraft fees with a choice of overdraft options. They’re quick and easy to set up, saving you money and ensuring peace of mind.

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Digital Banking

Enjoy the simple convenience and control of anytime, anywhere banking with smart and simple Online Banking or the Rivermark Mobile Banking app.

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Mobile Wallet

Make fast, secure payments from your mobile device when you connect your Rivermark debit or credit card with Apple Pay, Google Pay, and Samsung Wallet.

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ATM Access

Access Rivermark’s network of nearly 30,000 surcharge-free ATMs nationwide.

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Rivermark debit and credit card plastics

Qualifying is easy!

Maintain everyday banking habits you’re likely already doing to unlock our competitive rate: Deposit at least $1,000 monthly to your Loyalty Checking account,** make $1,000 or more in debit or credit card purchases each month,*** and enroll in eStatements.

It’s an easy, connected way to make your money work harder without changing how you bank.

Explore Our Credit Cards

1

Gather Your Documents

You'll need a few things for your application and to fund your new account online: a drivers license, state ID or US passport; and a debit card number, username and password, or routing and account number from another financial institution.
2

Open a Savings Account

New members join our credit union by opening a Savings Account, which requires a $5 minimum deposit. You can open your new Loyalty Checking account, which requires a $25 minimum deposit, at the same time.
3

That's It!

By completing our online application, you can open an account in just a few minutes. Upon receiving your application, one of our representatives will contact you.

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.

A photograph of the exterior of a Rivermark branch.

Find Your Branch

We like to make it easy for you to bank with us. You’ll find Rivermark branches throughout western Oregon and even in southwest Washington, so stopping by is simple.

Address

Radius

M or KM

Belmont Branch

3010 SE Belmont St.
Portland, OR 97214

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Cedar Hills Branch

2905 SW Cedar Hills Blvd.
Beaverton, OR 97005

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Fremont Branch

3515 NE 15th Ave.
Portland, OR 97212

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East Gresham Branch

2229 NE Burnside Rd.
Gresham, OR 97030

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Gresham Station Branch

1058 NW Sleret Ave.
Gresham, OR 97030

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Happy Valley Branch

15963 SE Happy Valley Town Center Dr.
Happy Valley, OR 97086

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Hawthorne Branch

2537 SE Hawthorne Blvd.
Portland, OR 97214

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Hillsboro Branch

7387 NE Butler St.
Hillsboro, OR 97124

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Hollywood Branch

4730 NE Sandy Boulevard
Portland, OR 97213

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Lombard Branch

4800 N Lombard St.
Portland, OR 97203

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Maupin Branch

501 Deschutes Avenue
Maupin, OR 97037

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Progress Ridge Branch

14985 SW Barrows Road
Beaverton, OR 97007

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The Dalles Branch

1240 W 6th St.
The Dalles, OR 97058

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Tualatin Branch

8235 SW Tualatin-Sherwood Road
Tualatin, OR 97062

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Vancouver Branch

1910 W Fourth Plain Blvd. #100
Vancouver, WA 98660

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West Linn Branch

21900 Willamette Dr., Suite 204
West Linn, OR 97068

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Woodstock Branch

4235 SE Woodstock Blvd.
Portland, OR 97206

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Newberg Video Teller Kiosk

2414 Portland Road
Newberg, OR 97132

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^*APY = Annual Percentage Yield. Rates effective as of November 03, 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) or have an effective date during 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.

Checking That Pays

Earn More With Loyalty Checking

Consider Bundling with Loyalty Savings

Calculate Your Bundled Earnings

See the Earnings Add Up