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Certificates of Deposit

Reach Your Savings Goals Faster

CD Rates

  • 6 Month Certificate

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    As High As 3.20% APY**

    • Certificates of Deposit

    CDs are a high-value, no-risk way to save. When you select any one of our standard term CDs, you know what you’ll earn and when you’ll earn it.  Choose the amount you want to invest and the length of your CD term. Then watch your money work for you.

    • Higher rates than Savings or Money Market Accounts
    • Low $500 minimum to open ($100 for youth accounts)
    • Terms from six months to five years
    • Accounts Federally insured up to $250,000 by NCUA
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    CD Specials

    10-Month Loyalty CD 3.50% APY**

    We created our 10-Month Loyalty CD, earning 3.50% APY, as a way of thanking members for long-term relationships with Rivermark.  

    If you’ve had a checking account with us for at least a year, you’ll enjoy one of our best CD rates. Deposit more funds anytime with our Add-To feature. Limit one Loyalty CD per membership.

    To open a Loyalty CD, schedule an in-branch or video appointment.

    Schedule an Appointment

    Why would I open a CD from Rivermark?

    Rivermark CDs are incredibly popular because we can offer you something market investments can’t — guaranteed returns on your money.1. Certificates of Deposit feature fixed rates and fixed terms – so your rate and your earnings don't fluctuate with market conditions.

    A few more reasons why our members choose to open CDs (and transfer funds from other banks and credit unions to a Rivermark CD):

    • Safe, secure savings mean your cash works harder and smarter
    • Choose a term that works for you
    • Big balances are not required – open a CD with as little as $500
    • No monthly fees, ever
    • Relax, knowing your funds are federally insured by the NCUA, the FDIC’s government counterpart that insures not-for-profit credit unions.

     

    Frequently Asked Questions

    • Your earnings can be mailed as a check, deposited into a Rivermark checking, savings or money market account. Or maximize the return by reinvesting the earnings in your CD.

    • You can withdraw it, but you'll pay a penalty rate equal to up to 270 days interest depending on the term of your CD

    • Yes, deposits can now be made to all Certificates of Deposit (CDs) at any time, except for promotional CDs. Additional deposits to promotional CDs are not allowed.

    • One way to maximize your interest income is with a strategy called CD laddering. Over time, it's an easy way to earn a higher rate without locking up all your money into a single long-term certificate.

      For example, instead of opening one 3-year CD for $15,000, you would divide your initial deposit into three equal CD's.

      1. Open one CD for $5,000 with a 3-year term
      2. Open a second CD for $5,000 with a 2-year term
      3. Open a third CD for $5,000 with a 1-year term

      When your 1-year CD matures, you would roll that $5,000 into a new 3-year certificate. After three years, all of your certificates will be earning the higher three-year rate of interest at that time and you'll always have access to $5,000 of your money within one year.

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    APY = Annual Percentage Yield.

    Note: For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. Minimum balance to open is $500.

    *For Loyalty CDs: A checking account that has been established for a minimum of 12 months is required on the membership for which the CD is opened. Limit one Loyalty CD and one Loyalty IRA CD per membership. Upon maturity, the Loyalty CD account will automatically renew for a 12-month term at then-current 12-month CD rate.

    **Minimum balance to open is $500. For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. IRA & ESA options are available on all terms and HSA option is available on 6, 12, 24 and 36 month terms. For IRA, ESA and HSA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

    CD rates accurate as of May 06, 2026.