Certificates of Deposit (CDs)
Grow your savings securely.
River Valley Credit Union’s Personal CDs provide a safe, predictable way to grow your money with fixed rates and flexible term options. Perfect for individuals looking to save for short-term goals or long-term plans, CDs offer guaranteed returns. With competitive rates and guidance from our local experts, you can confidently choose the right term to maximize your savings.
Certificate Rates
Rates as of 10/20/2026. Certificate rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.
| Certificates | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| IRA Certificates | |||
| 6 months | $500 | 3.74% | 3.80% |
| 12 months (Bump one time)** | $1,000 | 3.83% | 4.00% |
| 18 months (Bump one time)** | $1,000 | 3.88% | 3.95% |
| 24 months (Bump one time)** | $1,000 | 3.93% | 4.00% |
| 36 months | $1,000 | 3.98% | 4.05% |
| 48 months | $1,000 | 4.02% | 4.10% |
| 60 months | $1,000 | 4.12% | 4.20% |
| Certificates | |||
| 6 months | $500 | 3.64% | 3.70% |
| 12 months (Bump one time)** | $1,000 | 3.74% | 3.80% |
| 18 months (Bump one time)** | $1,000 | 3.78% | 3.85% |
| 24 months (Bump one time)** | $1,000 | 3.83% | 3.90% |
| 36 months | $1,000 | 3.88% | 3.95% |
| 48 months | $1,000 | 3.93% | 4.00% |
| 60 months | $1,000 | 4.02% | 4.10% |
| Jumbo Certificates | |||
| 24 months (Bump one time)** | $100,000 | 3.93% | 4.00% |
| 36 months | $100,000 | 3.98% | 4.05% |
| 48 months | $100,000 | 4.02% | 4.10% |
| 60 months | $100,000 | 4.12% | 4.20% |
Dividends are compounded monthly on Certificates.
** Offer valid on 12-, 18-, and 24-month certificates only. Offer subject to end or change without notice. Minimum $1,000 deposit to open. In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member’s request, to the newer rate. One rate change permitted during the term of the certificate. Early withdrawal penalties apply. Other rates and terms available.
For additional information: (937) 859-6260
Become a Member
If you live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties, you can join River Valley Credit Union.
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*APY = Annual Percentage Yield. Offer valid September 14-November 14, 2026. Existing River Valley Credit Union funds are not eligible for this promotion. Dividends compound and are credited monthly. Early withdrawal penalties apply and may reduce earnings. Rates and offer subject to change without notice. Membership eligibility required.