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Free Checking Plus | 8-19-19

Requirements1 Rate APY*
Requirements not met** 0.05% 0.05%
Daily balance is $15,000 or less 1.98% 2.00%
Daily balance is greater than $15,000 0.05% (amount over $15,000) Ranges from 1.22% to 2.00% (depending on balance)
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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

Savings Account | 8-19-19

Rate APY*
0.05% 0.05%
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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 | 8-19-19

Requirements1 Rate APY*
Requirements not met 0.05% 0.05%
Daily balance is $2,500 or less 0.15% 0.15%
Daily balance is greater than $2,500 0.05% (amount over $2,500) 0.10% - 0.15%
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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

 

New Member Savings | 8-19-19

Balance1 Rate APY*
$1000.00 or less 4.89% 5.00%
$1000.01 or more 0.05% (amount over $1,000.01) 2.03% to 5.00%
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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 8/1/19.  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

IRA Savings | 8-19-19

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+
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$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

Youth Savings | 8-19-19

Rate APY*
0.10% 0.10%
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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

You Name it Savings | 8-19-19

Rate APY*
0.05% 0.05%
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*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings/Fee Schedule

Holiday & Tax | 8-19-19

Rate APY*
0.10% 0.10%
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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

Money Market | 8-19-19

Rate APY* Balance1
0.05% 0.05% $0.00
0.10% 0.10% $2,500
0.15% 0.15% $10,000
0.15% 0.15% $25,000
0.20% 0.20% $50,000
0.20% 0.20% $100,000
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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 | 8-19-19

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 0.75% 0.75%
$50,000 1.00% 1.00%
12 Months $500 - $49,999 1.00% 1.00%
$50,000 1.24% 1.25%
24 Months $500 - $49,999 1.24% 1.25%
$50,000 1.49% 1.50%
36 Months $500 - $49,999 1.73% 1.75%
$50,000 1.98% 2.00%
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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

Youth Certificates | 8-19-19

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $100 0.75% 0.75%
12 months $100 1.00% 1.00%
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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

Fixed Rate Mortgages | 8-19-19

Product Rate APR* Payment*
10 Year Fixed 3.13% 3.40% $1,563.50
15 Year Fixed 3.00% 3.17% $1,104.93
20 Year Fixed 3.50% 3.63% $927.94
30 Year Fixed 3.63% 3.72% $729.68
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*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,  APR and sample monthly payment of  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.

Adjustable Rate Mortgage | 8-19-19

Product Rate APR* Payment
5/1 ARM 3.13% 3.91% $685.40
7/1 ARM 3.25% 3.85% $696.03
10/1 ARM 3.50% 3.98% $718.47
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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.

*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.

Jumbo Mortgage | 8-19-19

Product Rate APR* Payment
5/1 ARM 3.50% 4.03% $2,245.22
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*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 Line of Credit | 8-19-19

Repayment Period Annual Percentage Rate
10 Year Draw Period 6.24% - 11.99%TV
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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.

Home Equity Loan | 8-19-19

Term Rate Minimum Loan Amount APR* Payment*
5 Year 5.99% - 14.24% $5,000 6.24% - 14.51% $966-$1,170
10 Year 6.24%-15.24% $10,000 6.37% - 15.40% $561-$814
15 Year 6.49%-15.49% $15,000 6.59% - 15.61% $435-$717
20 Year 6.99%-15.99% $25,000 7.07% - 16.10% $387-$695
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*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.

Auto, Van, Pickup, SUV 2018 and Newer | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months4 3.74% - 13.49% $29.41 - $33.93
48 Months 3.99% - 13.74% $22.57 - $27.20
60 Months 4.24% - 13.99% $18.53 - $23.26
72 Months 4.74% - 14.49% $15.98 - $20.87
84 Months 5.29% - 14.99% $14.27 - $19.29
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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.

Auto, Van, Pickup, SUV 2017 or Older | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months4 3.99% - 15.24% $29.52 - $34.78
48 Months 4.24% - 15.49% $22.69 - $28.08
60 Months 4.49% - 15.99% $18.64 - $24.31
72 Months 4.99% - 16.24% $16.10 - $21.82
84 Months 5.49% - 15.99% $14.37 - $19.86
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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.

Motorcycle/Personal Watercraft/Snowmobile/ATV 2018 and Newer | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months 4.99% - 13.49% $29.97 - $33.93
48 Months 5.24% - 13.74% $23.14 - $27.20
60 Months 5.49% - 13.99% $19.10 - $23.26
72 Months 5.74% - 14.49% $16.45 - $20.87
84 Months 5.99% - 14.79% $14.60 - $19.18
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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

Motorcycle/Personal Watercraft/Snowmobile/ATV 2012 - 2017 | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months 5.49% - 15.24% $30.19 - $34.78
48 Months 5.74% - 15.49% $23.37 - $28.08
60 Months 5.99% - 15.99% $19.33 - $24.31
72 Months 6.24% - 16.24% $16.69 - $21.82
84 Months 6.49% - 16.49% $14.84 - $20.14
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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

Recreational Vehicle/Motorhome/Boat - 2018 and Newer | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
60 Months 5.49% - 6.24% $19.10 - $19.44
72 Months 5.49% - 6.49% $16.33 - $16.81
84 Months 5.49% - 6.99% $14.48 - $15.09
120 Months 5.99% - 7.49% $11.10 - $11.86
144 Months 6.24% - 7.99% $9.88 - $10.82
180 Months 6.49% - 8.49% $8.71 - $9.84
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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% of Purchase Price or high NADA, whichever is less.

Recreational Vehicle/Motorhome/Boat 2007 - 2017 | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
60 Months 5.49% - 7.99% $19.10 - $19.44
72 Months 5.49% - 7.99% $16.33 - $17.53
84 Months 5.49% - 7.99% $14.37 - $15.58
120 Months 5.74% - 8.24% $10.97 - $12.26
144 Months 5.99% - 8.49% $9.75 - $11.09
180 Months 6.24% - 8.74% $8.57 - $9.99
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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% of Purchase Price or high NADA, whichever is less.

Platinum Visa | 8-19-19

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%
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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

 

Cash Back Visa | 8-19-19

Credit Tier (FICO score) Margin APR
Excellent (760 or higher) 6.75% 12.25%
Very Good (759-720) 8.25% 13.75%
Good (719-690) 9.75% 15.25%
Fair (689-660) 12.25% 18.25%
Challenged (659-620) 14.25% 19.75%
Below Average (less than 619) 17.25% 22.75%
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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

Savings Secured Visa | 8-19-19

APR Amount
10.90% Up to $10,000

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

Student Loans | 8-19-19

Amount Financed Fees APR
$1,000 - $75,000 No Annual Fee, No Cash Advance Fee 8.50% - 9.50%TV1
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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 | 8-19-19

Amount Financed Term1 APR Fixed and Tiered2 Payment3
$500-$50,000 6 - 84 Months 7.00% - 16.75% $15.71 - $90.85
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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

Certificate Secured | 8-19-19

Amount Financed Term1 APR2 Payment3
Amount on Deposit CD Maturity Date/Up To 36 Months CD Rate + 2.00%F $29.41 (1.75% CD + 2.00% = 3.75% APR, 36 Months)
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1Repayment terms depends on amount financed. 

2 F Fixed Rates.

3Estimated Payment per $1,000 Borrowed

 

Savings Secured | 8-19-19

Amount Financed Term1 APR2 Payment3
Amount on Deposit 60 Months Share Rate + 4.00%V $18.44 (.05% Savings + 4.00% = 4.05% APR, 60 Months)
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1Repayment terms depends on amount financed. 

V Variable Rates.

3Estimated Payment per $1,000 Borrowed

Business Cash Back Visa | 8-19-19

Credit Tier (FICO score) Margin APR
Excellent (760 or higher) 9.75% 15.25%
Very Good (759-720) 11.25% 16.75%
Good (719-690) 12.75% 18.25%
Fair (689-660) 15.25% 20.75%
Challenged (659-620) 17.25% 22.75%
Below Average (less than 619) 20.25% 25.75%
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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

Business Auto, Van, Pickup, SUV 2018 and Newer | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months 4.74% - 11.49% $29.85 - $32.97
48 Months 4.99% - 11.74% $23.02 - $26.21
60 Months 5.24% - 12.99% $18.98 - $22.75
72 Months 5.75% - 14.99% $16.46 - $21.14
84 Months 6.29% - 15.99% $14.75 - $19.86
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%

Business Auto, Van, Pickup, SUV 2017 or Older | 8-19-19

Term1 APRs Fixed and Tiered2 Payment3
36 Months 4.99% - 14.99% $29.97 - $34.66
48 Months 5.24% - 15.24% $23.14 - $27.95
60 Months 5.49% - 15.49% $19.10 - $24.05
72 Months 5.99% - 16.49% $16.57 - $21.96
84 Months 6.49% - 16.99% $14.84 - $20.43
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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

Business Savings | 8-19-19

Rate APY*
0.15% 0.15%
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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 Checking Plus | 8-19-19

Requirements Rate APY*
$0-3,000 0.25% 0.25%
$3,001-25,000 0.35% 0.35%
$25,001-250,000 0.50% 0.50%
$250,001 or more 0.99% 1.00%
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*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 CDs | 8-19-19

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 0.75% 0.75%
$50,000 1.00% 1.00%
12 Months $500 - $49,999 1.00% 1.00%
$50,000 1.24% 1.25%
24 Months $500 - $49,999 1.24% 1.25%
$50,000 1.49% 1.50%
36 Months $500 - $49,999 1.73% 1.75%
$50,000 1.98% 2.00%
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Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.

*Annual Percentage Yield

Business Money Market | 8-19-19

Balance1 Rate APY*
$0.00 0.15% 0.15%
$2,500 0.15% 0.15%
$10,000 0.15% 0.15%
$25,000 0.20% 0.20%
$50,000 0.20% 0.20%
$100,000 0.20% 0.20%
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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