¹To earn the Free Checking Plus rate of 2.00% 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 2.00% to 1.22% 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

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

¹ To earn the Rewards Savings rate of 0.15% 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 0.10% - 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

¹For the New Member Savings Account, if your daily balance is greater than $1,000, your APY will range from 5.00% to 2.03% depending on the balance of your account. The APY range for Rate Tier 2 assumes a minimum balance of $1,000.01 and a maximum balance of $2,500.00. The APY is 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. Available to new memberships only, within first 30 days that membership is established. 

Rates effective 5/1/19.  New members only, available within first 30 calendar days of establishing new membership. Limit one New Member Savings account per member; must be age 18 or older. Federally insured by NCUA.

No minimum deposit to open. Interest compounded and credited monthly. Offer subject to change without notice.

* Annual Percentage Yield.  Truth in Savings/Fee Schedule

$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/Fee Schedule

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

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

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/Fee Schedule

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

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/Fee Schedule

*All loan applications are subject to credit and property approval. Annual Percentage Rate (APR) effective as the date shown above. On 10-year fixed rate, 4.00% APR and sample monthly payment of $1,600.98 are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $899 origination fee and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. $899 origination fee is based on primary borrower having an open Rivermark checking account and debit card at time of closing ($1,199 without checking). Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Maximum APR is 8.00%. Sample monthly payment listed above does 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.

All loan applications are subject to credit and property approval.

5/1 ARM Fixed for 60 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

7/1 ARM Fixed for 84 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

*APRs and payment calculations are based upon a single family, owner occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $899 flat origination fee and standard 3rd party charges (e.g. appraisal and title). $899 origination fee is based on primary borrower having an open Rivermark checking account and debit card at time of closing ($1,199 without checking). 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. 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.

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.

*All loan applications are subject to credit and property approval.

5/1 ARM Fixed for 60 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 6% over the initial rate during the lifetime of the loan.
 
¹APR and payment calculations are based upon a single family, owner occupied residence with a loan amount of $455,000, 70% Loan-to-Value, .500% origination fee 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 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.

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.

*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 $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.

¹Depends on loan amount.

²Tiered 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 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.

⁴Mortgage Rewards and other discounts not available with this term.

Amount Financed: up to 100%.

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.

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.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA, whichever is less

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.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% High NADA or Purchase Price, Whichever is Less

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 95% of Purchase Price or high NADA, whichever is less.

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 95% of Purchase Price or high NADA, whichever is less.

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

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. Tiered Rates are based on credit qualifications; please contact us for rates and terms specific to your loan request. Minimum credit line of $5,000 is required.

Terms & Conditions| Card Agreement and Disclosure

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

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.

¹Please contact us for rates and terms specific to your loan request.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 borrowed

¹Repayment terms depends on amount financed. 

² F Fixed Rates.

³Estimated Payment per $1,000 Borrowed

¹Repayment terms depends on amount financed. 

² V Variable Rates.

³Estimated Payment per $1,000 Borrowed

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. 

Card Agreement and Disclosure

¹Depends on loan amount.

²Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%

¹ Depends on loan amount.

² Tiered Rates are based on credit qualifications.

³Estimated Payment per $1,000 Borrowed

Amount Financed: Lesser of Kelley Retail or Purchase Price

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

^*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

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

^*Annual Percentage Yield

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