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Savings Account | Effective Date: 8-1-2017
Sign up for Rate Alerts| Rate | APY* |
|---|---|
| 0.05% | 0.05% |
Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.
*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings/Fee Schedule
Rewards Savings | Effective Date: 8-1-2017
| Requirements1 | Rate | APY* |
|---|---|---|
| Requirements not met | 0.10% | 0.10% |
| Daily balance is $2,500 or less | 0.15% | 0.15% |
| Daily balance is greater than $2,500 | 0.05% (amount over $2,500) | Ranges from 0.15% to 0.10% |
1 To earn the Rewards Savings rate of 0.15% APY on balances up to and including $2,500, you must sign up for and receive e-Statements, otherwise you will earn 0.10% APY on the entire Rewards Savings balance. If your daily balance is greater than $2,500, your APY will range from 0.05% to 0.15% depending on the balance of your account. APY range calculations assume a minimum balance of $2,500.01 and a maximum balance of $5,000.00. Limited to one account per membership.
*Annual Percentage Yield.
Minimum balance to open is $5.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings/Fee Schedule
IRA Savings | Effective Date: 8-1-2017
| Rate | APY* | Balance1 |
|---|---|---|
| 0.15% | 0.15% | $0-$2,499 |
| 0.15% | 0.15% | $2,500-$9,999 |
| 0.15% | 0.15% | $10,000-$24,999 |
| 0.15% | 0.15% | $25,000-$49,999 |
| 0.15% | 0.15% | $50,000-$99,999 |
| 0.20% | 0.20% | $100,000+ |
Minimum balance to open $100. Interest is compounded daily and credited monthly.
*Annual Percentage Yield.
1Minimum Balance to Earn Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Youth Savings | Effective Date: 8-1-2017
| Rate | APY* |
|---|---|
| 0.10% | 0.10% |
Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.
*Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Holiday and Tax | Effective Date: 8-1-2017
| Rate | APY* |
|---|---|
| 0.10% | 0.10% |
No minimum balance to open. $5 minimum balance to earn APY. Interest compounded daily and credited monthly.
*Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Free Checking Plus | Effective Date: 8-1-2017
| Requirements1 | Rate | APY* |
|---|---|---|
| Requirements not met** | 0.05% | 0.05% |
| Daily balance is $15,000 or less | 1.49% | 1.50% |
| Daily balance is greater than $15,000 | 0.05% (amount over $15,000) | Ranges from 1.50% to 0.92% (depending on balance) |
1To earn the Free Checking Plus rate of 1.50% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the APYs above when all requirements are met, you will receive automatic refunds on nationwide ATM access fees, up to $12 maximum. If requirements are not met, you will earn 0.05% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $15,000, your APY will range from 1.50% to 0.92% depending on the balance of your account. APY range calculations for Rate Tier 2 assume a minimum balance of $15,000.01 and a maximum balance of $25,000.00. Business accounts are not eligible.
*Annual Percentage Yield.
**Requirements cycle begins one day before the last day of each month and ends two days before the end of the month. All requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which they are earned.
Minimum Opening Balance is $25.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings/Fee Schedule
Money Market | Effective Date: 8-1-2017
| Rate | APY* | Balance1 |
|---|---|---|
| 0.05% | 0.05% | $0.00 |
| 0.10% | 0.10% | $2,500 |
| 0.10% | 0.10% | $10,000 |
| 0.10% | 0.10% | $25,000 |
| 0.15% | 0.15% | $50,000 |
| 0.15% | 0.15% | $100,000 |
Minimum balance to open $2,500. Interest is compounded daily and credited monthly.
*Annual Percentage Yield.
1Minimum Balance to Earn Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Certificates | Effective Date: 8-1-2017
| Term | Rate | APY* |
|---|---|---|
| 6 Months | 0.20% | 0.20% |
| 12 Months | 0.35% | 0.35% |
| 24 Months | 0.60% | 0.60% |
| 36 Months | 0.80% | 0.80% |
Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.
*Annual Percentage Yield. Truth in Savings/Fee Schedule
Everyday Fixed Rates | Effective Date: 8-23-2017
| Product | Rate | APR* | Payment* |
|---|---|---|---|
| 10 Year Fixed1 | 3.25% | 3.35% | $1,563.50 |
| 15 Year Fixed1 | 3.38% | 3.45% | $1,134.02 |
| 20 Year Fixed2 | 3.75% | 3.87% | $948.62 |
| 30 Year Fixed2 | 4.00% | 4.08% | $763.86 |
*All loan applications are subject to credit and property approval.
1$799 flat origination fee available on applications submitted by 9/30/17. Additional fees may apply, such as full appraisal or title.
2APR and payment calculations are based upon a single family, owner occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $799 flat origination fee, $475 processing and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type.
Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.
Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.
Home Equity Line of Credit | Effective Date: 8-23-2017
| Repayment Period | Annual Percentage Rate |
|---|---|
| 10 Year Draw Period | 4.99% - 10.74%TV |
Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line Of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.99% or greater than 18.00%. Closing costs (if applicable) range from $299 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit. F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered rates based on credit qualifications.
Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $299. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost.
Home Equity Loan | Effective Date: 8-23-2017
| Term | Rate | APR* | Minimum Loan Amount | Payment* |
|---|---|---|---|---|
| 5 Year | 5.49% - 13.74% | 5.74% - 14.00% | $5,000 | $955-$1,157 |
| 10 Year | 5.74%-14.74% | 5.87%-14.90% | $10,000 | $549-$799 |
| 15 Year | 5.99%-14.99% | 6.08%-15.11% | $15,000 | $422-$699 |
| 20 Year | 6.49%-15.49% | 6.57%-15.60% | $25,000 | $372-$677 |
*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% a a $299 loan fee. Maximum CLTV subject to collateral and credit qualifications; tiered rates are based on credit qualifications and CLTV. Loan applications are subject to credit and property approval. Representative payments shown include only Principal and Interest. Appraisal may be required at an additional cost. Property insurance required; flood insurance may be required. Maximum loan limits apply. Other rates and terms are available for Investment Property or Manufactured Home Equity Loans.
Auto, Van, Pickup, SUV 2016 and Newer | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months4 | 2.74% - 16.70%TF | $28.97 - $35.50 |
| 48 Months | 2.99% - 15.80%TF | $22.13 - $28.24 |
| 60 Months | 3.24% - 15.90%TF | $18.08 - $24.26 |
| 72 Months | 3.49% - 17.90%TF | $15.41 - $22.75 |
| 84 Months | 3.74% - 14.99%TF | $13.55 - $19.29 |
1Depends on loan amount.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed
4Mortgage Rewards and other discounts not available with this term
Amount Financed: up to 100%
Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.
Auto, Van, Pickup, SUV 2015 or Older | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months4 | 2.99% - 16.70%TF | $29.08 - $35.50 |
| 48 Months | 3.24% - 16.49%TF | $22.24 - $28.59 |
| 60 Months | 3.49% - 16.99%TF | $18.19 - $24.85 |
| 72 Months | 3.74% - 18.00%TF | $15.53 - $22.81 |
| 84 Months | 3.99% - 16.99%TF | $13.66 - $20.43 |
1Depends on loan amount.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed
4Mortgage Rewards and other discounts not available with this term
Amount Financed: up to 100%
Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.
Platinum Visa | Effective Date: 8-1-2017
| Credit Tier (FICO score) | APR |
|---|---|
| Excellent (760 or higher) | 6.90% |
| Very Good (759-720) | 7.90% |
| Good (719-690) | 9.90% |
| Fair (689-660) | 12.90% |
| Challenged (659-620) | 14.90% |
| Below Average (less than 619) | 17.90% |
Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee. Tiered Rates are based on credit qualifications; please contact us for rates and terms specific to your loan request.
Terms & Conditions | Card Agreement and Disclosure
Apply Online
Share Secured Platinum Visa | Effective Date: 8-1-2017
| APR | |
|---|---|
| Share Secured Platinum Visa | 10.90% |
Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee. Please contact us for rates and terms specific to your loan request.
Terms & Conditions | Card Agreement and Disclosure
Apply OnlineMotorcycle/Personal Watercraft/Snowmobile/ATV - 2016 and Newer | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months | 4.99% - 13.24%TF | $29.97 - $33.81 |
| 48 Months | 5.24% - 13.49%TF | $23.14 - $27.07 |
| 60 Months | 5.49% - 13.74%TF | $19.10 - $23.13 |
| 72 Months | 5.74% - 13.99%TF | $16.45 - $20.60 |
| 84 Months | 5.99% - 14.24%TF | $14.60 - $18.87 |
1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed.
Amount Financed: Up to 90% Purchase Price, MSRP or High NADA, whichever is less
Motorcycle/Personal Watercraft/Snowmobile/ATV 2010 - 2015 | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months | 5.49% - 13.74%TF | $30.19 - $34.05 |
| 48 Months | 5.74% - 13.99%TF | $23.37 - $27.32 |
| 60 Months | 5.99% - 14.24%TF | $19.33 - $23.39 |
| 72 Months | 6.24% - 14.49%TF | $16.69 - $20.87 |
| 84 Months | 6.49% - 14.99%TF | $14.84 - $19.29 |
1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed.
Amount Financed: Up to 85% High NADA or Purchase Price, Whichever is Less
Recreational Vehicle/Motorhome/Boat - 2016 and Newer | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 60 Months | 6.49% - 9.74%TF | $19.56 - $21.12 |
| 84 Months | 6.99% - 10.24%TF | $15.09 - $16.73 |
| 120 Months | 7.49% - 10.74%TF | $11.86 - $13.63 |
| 180 Months | 8.49% - 11.74%TF | $9.84 - $11.83 |
Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.
1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed.
Recreational Vehicle/Motorhome/Boat 2005 - 2015 | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 60 Months | 6.49% - 9.99%TF | $19.56 - $21.24 |
| 84 Months | 6.99% - 10.49%TF | $15.09 - $16.86 |
| 120 Months | 7.49% - 10.99%TF | $11.86 - $13.77 |
| 180 Months | 8.49% - 11.99%TF | $9.84 - $12.00 |
Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.
1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed.
Amount Financed: Up to 80% of Purchase Price or high NADA, whichever is less.
Student Loans | Effective Date: 8-1-2017
| Amount Financed | Fees | APR |
|---|---|---|
| $1,000 - $75,000 | No Annual Fee, No Cash Advance Fee | 6.75% - 7.75% TV1 |
1Private Student Loans are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter. Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter, and Interest Rate will never be less than 6.00% or greater than 18.00%.
V Variable Rates. T Tiered Rates. Tiered Rates are based on credit qualifications. Please contact us for rates and terms specific to your loan request.
Personal Loan | Effective Date: 8-1-2017
| Amount Financed | Term1 | APR2 | Payment3 |
|---|---|---|---|
| $500 - $30,000 | Up to 60 Months | 7.00% - 15.00%TF | $19.80 - $23.79 |
| $30,001 - $75,000 | Up to 84 Months | 7.00% - 15.00%TF | $15.09 - $19.30 |
1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.
2F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered Rates are based on credit qualifications and use of auto-transfer or ACH payment option.
3Estimated Payment per $1,000 borrowed
Share Secured | Effective Date: 8-1-2017
| Amount Financed | Term1 | APR2 | Payment3 |
|---|---|---|---|
| Amount on Deposit | 60 Months | Share Rate + 4.00%V | $18.44 (0.05% Share rate, 4.05% APR, 60 Month Term) |
1Repayment terms depends on amount financed.
2 V Variable Rates.
3Estimated Payment per $1,000 Borrowed
Certificate Secured | Effective Date: 8-1-2017
| Amount Financed | Term1 | APR2 | Payment |
|---|---|---|---|
| Amount on Deposit | CD Maturity Date, Up To 36 Months | CD Rate + 2.00%F | $28.99 (.80% CD, 2.80% APR, 36 Month Term) |
Business Auto, Van, Pickup, SUV 2016 and Newer | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months | 3.74% - 12.49%TF | $29.41 - $33.45 |
| 48 Months | 3.99% - 12.74%TF | $22.57 - $26.70 |
| 60 Months | 4.24% - 13.99%TF | $18.53 - $23.26 |
| 72 Months | 4.49% - 14.99%TF | $15.87 - $21.14 |
| 84 Months | 4.74% - 15.99%TF | $14.01 - $19.86 |
1Depends on loan amount.
2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed
Amount Financed: up to 100%
Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.
Business Auto, Van, Pickup, SUV 2015 or Older | Effective Date: 8-1-2017
| Term1 | APR2 | Payment3 |
|---|---|---|
| 36 Months | 3.99% - 14.99%TF | $29.52 - $34.66 |
| 48 Months | 4.24% - 15.49%TF | $22.69 - $28.08 |
| 60 Months | 4.49% - 15.99%TF | $18.64 - $24.31 |
| 72 Months | 4.74% - 17.49%TF | $15.98 - $22.52 |
| 84 Months | 4.99% - 17.99%TF | $14.13 - $21.01 |
¹ Depends on loan amount.
² F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.
3Estimated Payment per $1,000 Borrowed
Amount Financed: Lesser of Kelley Retail or Purchase Price
Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.
Business Savings | Effective Date: 8-1-2017
| Rate | APY* |
|---|---|
| 0.15% | 0.15% |
Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.
*Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Business Money Market | Effective Date: 8-1-2017
| Rate | APY* | Balance1 |
|---|---|---|
| 0.15% | 0.15% | $0.00 |
| 0.15% | 0.15% | $2,500 |
| 0.15% | 0.15% | $10,000 |
| 0.20% | 0.20% | $25,000 |
| 0.20% | 0.20% | $50,000 |
| 0.20% | 0.20% | $100,000 |
Minimum balance to open $2,500. Interest is compounded daily and credited monthly.
*Annual Percentage Yield.
1Minimum Balance to Earn Annual Percentage Yield.
All rates are variable and subject to change. Truth in Savings/Fee Schedule
Business CDs | Effective Date: 8-1-2017
| Term | Rate | APY* |
|---|---|---|
| 6 Months | 0.20% | 0.20% |
| 12 Months | 0.35% | 0.35% |
| 24 Months | 0.60% | 0.60% |
| 36 Months | 0.80% | 0.80% |
Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded and credited monthly.
*Annual Percentage Yield
Business Checking Plus | Effective Date: 8-1-2017
| Requirements | Rate | APY* |
|---|---|---|
| Up to $25,000 | 0.25% | 0.25% |
| $25,001 or more | 0.99% | 1.00% |
*Annual Percentage Yield.
$10.00 Monthly Fee (waived with $3,000 average daily balance).
Per Item Fee (includes checks deposited and/or cleared): First 300 items free per month; 15¢ each thereafter.
Cash Deposited: First $10,000 deposited free, .15% of cash deposited over $10,000.
Minimum Opening Balance is $100.00. All rates are variable and subject to change. Truth in Savings/Fee Schedule
Business Rewards Visa | Effective Date: 8-1-2017
| Credit Tier | APR |
|---|---|
| All | 9.9% |
Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee.
