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Certificates of Deposit (CDs)

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*APY = Annual Percentage Yield. 4.10% APY / 4.025% dividend rate on a 60-month (5-year) CD. Minimum deposit $1,000. Offer valid August 3-31, 2026. Existing River Valley Credit Union funds and accounts 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.

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Lock in a competitive fixed rate, earn guaranteed returns and save!

4.10% APY *

5 Year CD Rate

ends 08/31

*APY = Annual Percentage Yield. 4.10% APY / 4.025% dividend rate on a 60-month (5-year) CD. Minimum deposit $1,000. Offer valid August 3-31, 2026. Existing River Valley Credit Union funds and accounts 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.

Certificate of Deposits Benefits

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.

Benefits:

  • Competitive, fixed interest rates
  • Flexible terms to fit financial goals
  • Low-risk savings solution for personal funds
  • Ideal for long-term planning or special purchases
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

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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View Rates Schedule an Appointment Open a secondary Savings or CD Online
Open your new Savings or Certificate online through Online Banking. Simply click "New Accounts."

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