Loyalty Savings

Loyalty Has Its Rewards

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Earn 4.00% APY With Loyalty Savings

You trust Rivermark with your everyday banking—your paycheck, your spending, and your financial life. We believe your savings should reflect that trust. Loyalty Savings is our high‑yield savings account created to reward members who bank with us regularly. Earn a competitive 4.00% APY* on balances up to $25,000, with full access to your money whenever you need it. No gimmicks. Just better earnings for members who make Rivermark their financial home.

Savings Rate

Loyalty Savings
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As High As 4.00% APY*

Bank here. Earn more.

Qualifying is easy! Maintain everyday banking habits you’re likely already doing—

Deposit at least $1,000 monthly into a Rivermark checking account
Enroll in eStatements

When you bring more of your banking to Rivermark, your savings earns more—automatically.

Open Online Convert Existing Account

Loyalty Bundle Calculator — Rivermark Community Credit Union

Loyalty Checking

First $25,000 earns 4.50% APY* when you qualify that month.

Checking balance $5,000

$0 $25,000

$1,000 combined spend requirement. Any mix of cards works.

Debit Card

$750

Cash Back Credit Card

$250

Platinum Credit Card

Combined monthly spend $1,000

$1,000 required, combined across all cards

Loyalty Savings

First $25,000 earns 4.00% APY* when you qualify that month.

Savings balance $4,500

$0 $25,000

Monthly requirements

These two apply to both Loyalty Checking and Loyalty Savings, not just one account.

$1,000+ in monthly deposits to Loyalty Checking Enrolled in eStatements

See the Earnings Add Up

Loyalty Checking interest $0/yr

Loyalty Savings interest $0/yr

Cash Back Credit Card earnings $0/yr

Estimated Annual Bundle Earnings

Based on the balances and spending you entered above, held steady for 12 months.

This is an estimate for illustrative purposes only and not a guarantee of actual earnings. Results are based on the information you entered and assume that current rates and benefits remain unchanged.

Loyalty Savings Stands Out

Rewarding Real Relationships

Built for members who actively bank with Rivermark

Competitive 4.00% APY*

Earn our top rate on balances up to $25,000

Keep Funds Liquid

Access to your money when you need it

Easy to Qualify

No debit card swipes or transaction minimums

Simple Transparent Savings

Clear requirements, no surprises

Frequently Asked Questions

Loyalty Savings is a high‑yield savings account that rewards members who use Rivermark for their everyday banking with a higher interest rate.
To qualify, you’ll need to:
- Make at least $1,000 in monthly deposits into a Rivermark checking account
- Be enrolled in eStatements
When these requirements are met, your Loyalty Savings account earns the listed APY on qualifying balances.
Yes. The 4.00% APY applies to balances up to $25,000. Balances above that amount earn a lower rate.
Yes. Loyalty Savings has no lockups; your funds, other than the required deposit of $5, remain accessible whenever you need them.
No, there is no monthly maintenance fee.
If requirements aren’t met during a given month, your account will earn the Loyalty Savings Unqualified rate for that period. You can re‑qualify at any time by meeting the requirements again.

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^*APY = Annual Percentage Yield. Rates effective as of September 08, 2026. The disclosed APY assumes a maximum balance of $35,000.

Loyalty Checking: $25 minimum deposit to open. Balances of $25,000.01 or more earn 4.50-3.23% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Checking balance will earn .05% APY. Loyalty Checking is a variable rate account. The rate may change after account opening. Consumer accounts only. Only one Loyalty Checking account per membership.

Loyalty Savings: $5 minimum deposit required to open. Balances of $25,000.01 or more earn 4.00-2.87% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Savings balance will earn .05% APY. This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.

^**Eligible deposits must post to the account and be available (must not be pending or held) at the end of the cycle. Deposits originated from other Rivermark accounts, overdraft transfers, Rivermark loan proceeds or credit card advances, fee reversals, refunds, deposits returned unpaid, or credit card point redemptions do not qualify.

^***Small Business Credit Card transactions do not qualify.

^†Earn 1.5% unlimited cash back with every purchase. Credit limits from $5,000 to $50,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of September 08, 2026 and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request. For more information regarding extra Visa benefits offered, view the Cash Back Credit Card Benefits Guide. Click here for Application & Solicitation Disclosure. Cash Back Rewards Terms & Conditions: https://www.rivermarkcu.org/cash-back-card-rewards-terms

Loyalty Savings

Earn 4.00% APY With Loyalty Savings

Savings Rate

Loyalty Savings

Bank here. Earn more.

Loyalty Bundle Earnings Calculator

See the Earnings Add Up