All Rates

¹To earn the Free Checking Plus rate of 3.00% 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) posted and cleared 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 1.82% to 3.00% 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.

The minimum Opening Balance is $25.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings

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

*For the New Member Savings Account, if your daily balance is greater than $5,000, your APY will range from 5.00% to 2.53% depending on the balance of your account. The APY range for Rate Tier 2 assumes a minimum balance of $5,000.01 and a maximum balance of $10,000.00. The rates/APYs are guaranteed for one year after the opening date, after which the account will convert to a You Name It Savings account with variable rate and APY as described on the Savings & Checking Rates disclosure (currently 0.05%). Available to new memberships only, within first 30 days that membership is established, must be 18 years or older, one account per member. Truth in Savings.

¹ To earn the Rewards Savings rate of 0.10%on balances up to and including $2,500, you must sign up for and receive e-Statements, otherwise, you will earn 0.05% on the entire Rewards Savings balance. If your daily balance is greater than $2,500, your APY will range from 0.08% - 0.10% 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. Business accounts are not eligible.

*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

Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly. For Certificate Accounts, there is a penalty for early withdrawal of principal.

^*Annual Percentage Yield. Truth in Savings

**CD Specials: Annual Percentage Yield (APY) is effective as of 2/1/2023; offer is subject to change without notice. New money: A minimum of $25,000 in funds from an institution other than Rivermark is required to earn the higher APY. Penalty for early withdrawal of principal. At maturity, the 13-month certificate renews to a 12-month term at the then-current 12-month CD rate. At maturity, the 20-month certificate renews to a 24-month term at the then-current 24-month CD rate. Learn more.

For Youth Certificates of Deposit, additional deposits may be made to the certificate until it matures. The Interest Rate will not change, but additional deposits may affect the APY disclosed at the time that the certificate was opened. Available on memberships where the primary owner is under the age of 18. Minimum balance to open and earn APY is $100. Fixed rate, interest is compounded daily and credited monthly. For Certificate Accounts, there is a penalty for early withdrawal of principal.

^*Annual Percentage Yield. Truth in Savings

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

^*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings

Holiday & Tax Account Free Withdrawal Periods: March 1 – April 30 and October 15– December 15. A $10 early withdrawal fee applies for each withdrawal taken outside of the free withdrawal periods.

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

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

Minimum balance to open $100,000. 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

$100 minimum balance to open and maintain your account. 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

If you are applying for the 100% First Time Home Buyer Program, please apply at 80% of the purchase amount you are applying for. In the comment section, say that you want the 100% First Time Home Buyer Program.

*Available for primary residence purchases only up to 100% LTV. Applicants must meet credit and ability to repay requirements. Annual Percentage Rates (APR) effective as of the date shown above. This is an 80/20 mortgage loan. Example is based on a $230,000 purchase price. A first mortgage (10/6 ARM) of $184,000 at 6.375% with an APR of 6.852%, has principal and interest payments of $1,210.85 for 60 months. The example APR includes an origination fee of $1,299 and Points. Origination Fees vary based on loan amount, between $250 - $1,299. Actual APRs for individual loans may differ. Adjusts no more than 1% semi-annually after 60 months. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.  A second mortgage of $46,000 borrowed at 8.240% with an APR of 8.240% will have principal and interest payments of $391.66 for 240 months. Tax and insurance payments not included in examples. Property hazard insurance is required. 3% seller concessions allowed with 2 months PITI reserves. 0% seller concessions without 2 months reserves. No gift funds allowed towards closing costs. Escrow account required for taxes and insurance. Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. 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. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. Consult a tax adviser for information regarding the deductibility of interest and charges. Must be a member to borrow. 

Home Equity loan turnaround times are slower than normal. Please allow up to 4 business days for a follow-up to your application. We appreciate your patience during this time.

¹ Minimum $5,000 amount. Maximum CLTV subject to collateral & credit qualifications

² 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 3.75% or greater than 18.00%. Closing costs (if applicable) range from $399 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.

^V = Variable Rates. ^T = Tiered Rates based on credit qualifications.

Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $399. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost.

Rates and terms are effective as of the above date and are subject to change without notice.

Home Equity loan turnaround times are slower than normal. Please allow up to 4 business days for a follow-up to your application. We appreciate your patience during this time.

*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% and a $399 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.

Collateral: Single Family Residence (Primary Residence, up to 95% CLTV).

Rates and terms are effective as of the above date and are subject to change without notice.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

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.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 110% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

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.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 100% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Annual Percentage Rate is for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. 

V Variable Rates, 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 fifteenth business day of each month. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date.

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published. Please contact us for rates and terms specific to your loan request. 

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Annual Percentage Rate is for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. Minimum credit line of $5,000 is required. Earns unlimited 1.50% Cash Back on every purchase.

V Variable Rates, 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 fifteenth business day of each month. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date.

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published. Please contact us for rates and terms specific to your loan request. 

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. 

Terms & Conditions | Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

¹Rates are variable and 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 (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

**Important Notice: Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates,suspension of payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans. The federal government has temporarily paused payments and interest on federal student loans. The U.S. Department of Education provides updates regarding the pause end date. Visit studentaid.gov/coronavirus for the latest information.

¹Rates are variable and 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 (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

²Estimated Payment per $1,000 Borrowed.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

D Rates reflect a 0.25% discount for optional enrollment in automatic electronic payments.

All loans subject to credit qualification and additional criteria, including graduating from an approved school.

¹Depends on loan amount

²Tiered Rates based on credit qualifications and other factors specific to your loan and may be higher than the
lowest rate published.

³Estimated Payment per $1,000 borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

¹Repayment terms depends on amount financed. 

² F Fixed Rates.

³Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

¹Repayment terms depends on amount financed. 

² V Variable Rates.

³Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee.

1 Variable Rates are 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. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date. Tiered Rates are based on credit qualifications and collateral as applicable. Collateral may include equipment and other business assets. The Index is based on the Prime Rate as of the fifteenth business day of each month. 

Please contact us for rates and terms specific to your loan request.  Rates and terms offered are effective as of the above date and are subject to change without notice.

Card Agreement and Disclosure

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly. Available to Business memberships only.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

^*Annual Percentage Yield.

$10.00 Monthly Fee (waived with $3,000 average daily balance). Available to Business memberships only.

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

Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.

^*Annual Percentage Yield. Truth in Savings

^*Annual Percentage Yield.

¹Minimum Balance to Earn Annual Percentage Yield. Minimum opening deposit of $10,000 must come from an institution other than Rivermark (New Money). Available to business memberships only. Account will convert to the regular tiered rate Money Market Account on the first day of the month following the end of the 12-month promotional period.

Interest is compounded daily and credited monthly. All rates are variable and subject to change. 

Truth in Savings

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