Savings Accounts That Help You Move Forward
Simple Ways to Save—With Local Support You Can Trust
At River Valley Credit Union, saving money doesn’t have to be complicated. We proudly serve members throughout the Miami Valley with easy‑to‑understand savings options, friendly employees, and a simple process that fits real life. Whether you’re saving for today, tomorrow, or the future, we’re here to help every step of the way.
Our Savings Options
Savings Account
A simple place to start saving.
Our savings account is the foundation of your membership and a great way to build healthy saving habits. It’s easy to open, easy to manage, and supported by local people who care about your goals.
Best Option If:
- You want a low opening balance
- You want easy access to your money
- You want to earn dividends over time
- You want friendly and local service
Money Market Account
Earn more while keeping access to your money.
A money market account is ideal if you want higher earning potential while still having flexibility. It’s a great option for members who maintain higher balances and want their savings to work harder.
Best Option If:
- You want higher dividends than basic savings
- You want to earn more while keeping funds accessible
- You want a secure and stable savings option
- You want local support when you need help
Certificates of Deposit (CDs)
Steady growth with a guaranteed rate.
Certificates of Deposit let you earn a fixed rate by saving your money for a set period of time. They’re a smart choice if you want predictable growth and peace of mind.
Best Option If:
- You want flexible term options
- You want a low‑risk savings option
- You don’t need immediate access to your funds
- You are saving for a specific goal in the future
Individual Retirement Accounts (IRAs)
Save for tomorrow—starting today.
IRAs help you plan for retirement with tax‑advantaged savings options. Whether you’re just starting out or continuing to build your nest egg, we’re here to guide you.
Best Option If:
- You want tax‑advantaged options available
- You’re planning for long‑term growth potential
- Your account is easily managed locally
- You want personal guidance from friendly experts
Health Savings Accounts (HSAs)
Save for healthcare—now and later.
An HSA helps you set aside money for qualified medical expenses. It’s a smart way to prepare for healthcare costs while keeping your savings organized.
Best Option If:
- You need an account for qualified medical expenses
- You want a tax‑advantaged savings option
- You want funds to roll over year to year
- You want easy access when you need it
River Valley Credit Union offers savings accounts, money market accounts, certificates of deposit, IRAs, and health savings accounts to members across the Miami Valley. With simple options, friendly local service, and a focus on financial well‑being, we make saving easier for every stage of life.