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Certificates Rates

Certificate Accounts (rates current as of January 17, 2019)

Deposit Amounts ($1000 - $24,999)
TermDividend Rate*APY**
6 Months0.90%0.90%
12 Months1.49%1.50%
18 Months1.64%1.65%
24 Months1.79%1.80%
36 Months1.99%2.00%
48 Months2.09%2.10%

 

Deposit Amounts ($25,000 - $49,999)
TermDividend Rate*APY**
6 Months1.00%1.00%
12 Months1.54%1.55%
18 Months1.69%1.69%
24 Months1.84%1.85%
36 Months2.04%2.05%
48 Months2.14%2.15%

 

Deposit Amounts ($50,000 +)
TermDividend Rate*APY**
6 Months1.10%1.10%
12 Months1.59%1.60%
18 Months1.74%1.75%
24 Months1.89%1.90%
36 Months2.09%2.10%
48 Months2.19%2.20%

 

  • Early redemption penalty on Certificates up to 1 year: 90 days of interest.
  • Early redemption penalty on Certificates 1 year or greater: 180 days of interest.
  • Flexible terms from 6 months to 48 months.

 

Money Market Accounts (rates current as of January 17, 2019)

Investment TiersDividend Rate*APY**
$5 - $2,499.990.150%0.150%
$2,500 - $24,999.990.250%0.250%
$25,000 - $49.999.990.350%0.350%
$50,000+0.450%0.450%

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.

*Rates are subject to change without notice.

**Annual Percentage Yield (APY) is calculated on minimum balance requirements on a 365 day basis. Fees could reduce annual percentage yield earned. All Savings dividends are determined by the average daily collected balance for the month. Early withdrawal penalties apply. Early redemption penalty on certificates up to 1 year: 90 days of interest. Early redemption penalty on Certificates 1 year or greater: 180 days of interest.

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