All Rates

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) 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 0.92% to 1.50% 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/Fee Schedule

Printable Rate Sheet

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

Printable Rate Sheet

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.

*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.

Printable Rate Sheet

$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

Printable Rate Sheet

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

Printable Rate Sheet

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

Printable Rate Sheet

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

Printable Rate Sheet

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

Printable Rate Sheet

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/Fee Schedule

Eligibility:

• The Guaranteed Money Market Account is available to new memberships only, within first 30 days that membership is established. 
• Minimum opening deposit of $15,000 must come from an institution other than Rivermark (New Money). 
• Requires a new Free Checking Plus Account. 

* Annual Percentage Yield. Interest is compounded daily and credited monthly. All rates are variable and subject to change. 

¹Combined APY (6 months Guaranteed Money Market rate, 6 months regular Money Market rate).

Printable Rate Sheet

Truth in Savings Disclosure

1. Rate Information – The Interest Rates and Annual Percentage Yields on your deposit account are stated above and may change at any time as determined by us, except as otherwise disclosed herein. The promotional APY is guaranteed for six months from the date of account opening. After the six-month promotional period ends, the account will convert to a Money Market Account with variable APYs in effect at time of conversion and based on the account balance as described on the applicable rate sheet. The APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The APY assumes that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
2. Compounding and Crediting - The Rate Sheet describes the time frames for compounding and crediting interest.
3. Balance Information - The Guaranteed Money Market Account requires a $15,000.00 minimum balance to open the account and to earn the promotional APY. Interest is calculated by the daily balance method, which applies a daily periodic rate to the full amount of principal in the account each day.
4. Accrual of Interest - Interest will begin to accrue on cash deposits and on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.
5. Nontransferable/Nonnegotiable - All accounts are nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except with the Credit Union.

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

Printable Rate Sheet

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/Fee Schedule

Printable Rate Sheet

Please choose the 60-day lock option when applying for a refinance. Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.

*All loan applications are subject to credit and property approval. Annual Percentage Rates (APR) effective as of the date shown above. Sample monthly payments are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, Origination Fee is $1,495, and standard 3rd party charges (e.g. appraisal and title). 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 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. Interest rates and APRs offered are subject to change without notice.

Please choose the 60-day lock option when applying for a refinance. Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.

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.

10/1 ARM Fixed for 120 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.

*Annual Percentage Rates (APR) effective as of the date shown above. APRs and payment calculations are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, Origination Fee is $1,495, and standard 3rd party charges (e.g. appraisal and title). 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. 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.

Please choose the 60-day lock option when applying for a refinance. Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.

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

Jumbo 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.
 
Annual Percentage Rates (APR) effective as of the date shown above. APR and payment calculations are based upon a single family, owner occupied residence with a loan amount of $548,251, 69.99% Loan-to-Value, 0.50% 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.

*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. A first mortgage (5/1 ARM) of $160,000 at 2.63% with an APR of 2.86% has principal and interest payments of $642.64 for 60 months. Adjusts no more than 2% annually after 60 months. Rate increases are limited to a maximum of 6% over the initial rate during the lifetime of the loan.  A second mortgage of $50,000 borrowed at 5.49% with an APR of 5.49% will have principal and interest payments of $274.93 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. Origination Fee is $1,495, and standard 3rd party charges (e.g. appraisal and title). 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.

Due to high demand and the current environment, Home Equity loan turnaround times are slower than normal. 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 3.99% 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.

Due to high demand and the current environment, Home Equity loan turnaround times are slower than normal. 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.

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

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & 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.

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

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & 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.

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 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.

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. Tiered Rates are based on the Prime Rate plus a margin that is based on borrower's credit history. 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. 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

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.

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.

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.

¹ Depends on loan amount.

² Tiered 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.

*Annual Percentage Yield.

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

Printable Rate Sheet

^*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

Printable Rate Sheet

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

^*Annual Percentage Yield

Printable Rate Sheet

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

Printable Rate Sheet