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All Rates

Free Checking Plus | 06-12-2024

Requirements1 Rate APY*
Requirements not met** 0.05% 0.05%
Daily balance is $15,000 or less 2.96% 3.00%
Daily balance is greater than $15,000 0.05% (amount over $15,000) Ranges from 1.82% to 3.00% (depending on balance)
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1To earn the Free Checking Plus rate of 3.00% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the APYs above when all requirements are met, you will receive automatic refunds on nationwide ATM access fees, up to $12 maximum. If requirements are not met, you will earn 0.05% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $15,000, your APY will range from 1.82% to 3.00% depending on the balance of your account. APY range calculations for Rate Tier 2 assume a minimum balance of $15,000.01 and a maximum balance of $25,000.00. Business accounts are not eligible.

*Annual Percentage Yield.

**Requirements cycle begins one day before the last day of each month and ends two days before the end of the month. All requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which they are earned.

The minimum Opening Balance is $25.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings

New Member Savings | 06-12-2024

Daily Balance Rate APY*
$100,000 or less 4.89% 5.00%
$100,000.01 or more 0.05% (Applies to portion of balance over $100,000) Ranges from 5.00% to 4.55%
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*APY = Annual Percentage Yield. Interest is compounded and credited monthly. All rates are variable and subject to change. 5.00% APY applies to first $100,000 in account. Portion of balance over $100,000 will earn a rate of 0.05% APY. If your daily balance is greater than $100,000 your total APY will decrease (contact the credit union for details). Offer subject to change without notice. New members only, available within first 30 calendar days of establishing new membership. Limit one New Member Savings account per member; must be age 18 or older. Truth in Savings.

 

Savings Account | 06-12-2024

Rate APY*
0.05% 0.05%
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Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly. 

*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings

Rewards Savings | 06-12-2024

Requirements1 Rate APY*
Requirements not met 0.05% 0.05%
Daily balance is $2,500 or less 0.10% 0.10%
Daily balance is greater than $2,500 0.05% (amount over $2,500) 0.08% - 0.10%
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1 To earn the Rewards Savings rate of  0.10% on balances up to and including $2,500, you must sign up for and receive e-Statements, otherwise, you will earn  0.05%  on the entire Rewards Savings balance. If your daily balance is greater than $2,500, your APY will range from  0.08% - 0.10%  depending on the balance of your account. APY range calculations assume a minimum balance of $2,500.01 and a maximum balance of $5,000.00. Limited to one account per membership. Business accounts are not eligible.

*Annual Percentage Yield.

Minimum balance to open is $5.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings

High Interest Savings (No Longer Offered) | 06-12-2024

Balance1 Interest Rate APY*
$0-$9,999 0.50% 0.50%
$10,000 or more 3.93% 4.00%
$10,000 or more (new funds)** 4.89% 5.00%

This account is no longer offered as of 5/1/24.

1Minimum Balance to Earn Annual Percentage Yield.

* Annual Percentage Yield. Interest is compounded and credited monthly. All rates are variable and subject to change. Available on consumer memberships only. Limit one High-Interest Savings account per membership.  Truth in Savings.

** $10,000 must come from an institution other than Rivermark (New Funds) to earn the higher interest rate.

Definition of new funds: To be considered new funds to Rivermark, funds must come from a financial institution other than Rivermark and cannot have been deposited into the Rivermark membership more than 5 business days prior to opening the High-Interest Savings account. Member has 10 business days to deposit new money after account is opened; accounts that do not receive new money will be converted to the lower rate.

 

Certificates | 06-12-2024

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 4.16% 4.25%
$50,000 4.16% 4.25%
12 Months $500 - $49,999 1.98% 2.00%
$50,000 1.98% 2.00%
24 Months $500 - $49,999 2.08% 2.10%
$50,000 2.08% 2.10%
36 Months $500 - $49,999 2.18% 2.20%
$50,000 2.18% 2.20%
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Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly. For Certificate Accounts, there is a penalty for early withdrawal of principal.

*Annual Percentage Yield. Truth in Savings

 

Youth Certificates | 06-12-2024

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $100 4.16% 4.25%
12 months $100 1.98% 2.00%
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For Youth Certificates of Deposit, additional deposits may be made to the certificate until it matures. The Interest Rate will not change, but additional deposits may affect the APY disclosed at the time that the certificate was opened. Available on memberships where the primary owner is under the age of 18. Minimum balance to open and earn APY is $100. Fixed rate, interest is compounded daily and credited monthly. For Certificate Accounts, there is a penalty for early withdrawal of principal.

*Annual Percentage Yield. Truth in Savings

Money Market | 06-12-2024

Balance1 Rate APY*
$0-$2,499 0.10% 0.10%
$2,500-$9,999 0.15% 0.15%
$10,000-$24,999 0.15% 0.15%
$25,000-$49,999 0.20% 0.20%
$50,000-$99,999 0.20% 0.20%
$100,000+ 0.20% 0.20%
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Minimum balance to open $2,500. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

Premium Money Market | 06-12-2024

Balance1 Rate APY*
$0-$99,999 0.20% 0.20%
$100,000-$249,999 0.50% 0.50%
$250,000-$499,999 0.50% 0.50%
$500,000 - $999,999 0.50% 0.50%
$1,000,000+ 0.50% 0.50%
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Minimum balance to open $100,000. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

Youth Savings | 06-12-2024

Rate APY*
0.10% 0.10%

Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

You Name it Savings | 06-12-2024

Rate APY*
0.05% 0.05%
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*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings

 

Holiday & Tax | 06-12-2024

Rate APY*
0.10% 0.10%
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Holiday & Tax Account Free Withdrawal Periods: March 1 – April 30 and October 15– December 15. A $10 early withdrawal fee applies for each withdrawal taken outside of the free withdrawal periods.

No minimum balance to open. $5 minimum balance to earn APY. Interest compounded daily and credited monthly.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

IRA Savings | 06-12-2024

Balance1 Rate APY*
$0-$2,499 0.10% 0.10%
$2,500-$9,999 0.10% 0.10%
$10,000-$24,999 0.10% 0.10%
$25,000-$49,999 0.10% 0.10%
$50,000-$99,999 0.15% 0.15%
$100,000+ 0.15% 0.15%
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$100 minimum balance to open and maintain your account. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

Mortgage Rates | 06-12-2024

Product Rate APR* Points Payment*
10 Year Fixed 6.000% 6.251% 0.188% $1,787.43
15 Year Fixed 6.375% 6.537% 0.080% $1,391.44
20 Year Fixed 6.250% 6.432% 0.499% $1,176.79
30 Year Fixed 6.875% 6.997% 0.286% $1,057.66
Jumbo 30 Year Fixed N/A N/A
Jumbo 15 Year Fixed N/A N/A
5/6 ARM 6.500% 7.210% 0.250% $1,017.63
7/6 ARM 6.500% 7.091% 0.250% $1,017.63
10/6 ARM 6.625% 7.030% 0.250% $1,030.90
Jumbo 10/6 ARM N/A N/A
This rate sheet is not a credit decision or a commitment to lend. Your rate is not locked until you get confirmation from a Mortgage Loan Officer. Loan application will be subject to credit and property approval.
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*Annual Percentage Rate (APR) effective as the date shown above. Sample monthly payments are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, Origination Fee of $800, Points, and standard 3rd party charges (e.g. appraisal and title) except for Jumbo Loans (see below).

  • Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan that change can increase or decrease your monthly payment. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.
    • 5/6 ARM Fixed for 60 months, adjusts no more than 1% semi-annually thereafter.
    • 7/6 ARM Fixed for 84 months, adjusts no more than 1% semi-annually thereafter.
    • 10/6 ARM Fixed for 120 months, adjusts no more than 1% semi-annually thereafter.
  • Jumbo Mortgage payment examples are for loan amounts of $766,551, 70% Loan-to-Value, an origination fee of $1,699 and Points. Origination Fees vary based on loan amount between $250 - $1,699.

Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Maximum APR is 8.00%.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice. Consult a tax adviser for information regarding the deductibility of interest and charges. Must be a member to borrow.

100% Combo Loan (First Time Buyer) | 06-12-2024

Product Rate APR* Points Payment*
Combo 10/6 ARM 6.625% 7.020% 0.000% $1,178.17
Combo 40 Year Fixed 7.125% 7.220% 0.000% $1,160.18
20 Year Fixed HELoan 8.490% 8.490% 0.000% $398.91
Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.
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*Available for primary residence purchases only up to 100% LTV. Applicants must meet credit and ability to repay requirements. Annual Percentage Rates (APR) effective as of the date shown above. This is an 80/20 mortgage loan. Example is based on a $230,000 purchase price. A first mortgage (10/6 ARM) of $184,000 at  6.625%  with an APR of  7.020% , has principal and interest payments of  $1,160.18  for 60 months. The example APR includes an origination fee of $1,299 and Points. Origination Fees vary based on loan amount, between $250 - $1,299. Actual APRs for individual loans may differ. Adjusts no more than 1% semi-annually after 60 months. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.  A second mortgage of $46,000 borrowed at  8.490%  with an APR of  8.490%  will have principal and interest payments of  $398.91  for 240 months. Tax and insurance payments not included in examples. Property hazard insurance is required. 3% seller concessions allowed with 2 months PITI reserves. 0% seller concessions without 2 months reserves. No gift funds allowed towards closing costs. Escrow account required for taxes and insurance. Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. Consult a tax adviser for information regarding the deductibility of interest and charges. Must be a member to borrow. 

Home Equity Line of Credit | 06-12-2024

Combined Loan-to-Value1 Term Annual Percentage Rate2
Up to 95% 10 Year Draw Period/15 Year Repayment Period 8.74% - 14.99%TV
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Minimum $5,000 amount. Maximum CLTV subject to collateral & credit qualifications

Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.75% or greater than 18.00%. Closing costs (if applicable) range from $399 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit.

V = Variable Rates. T = Tiered Rates based on credit qualifications.

Fees: No annual fee, $399 closing fee for loan amounts less than or equal to $100,000; $399 closing fee + all third party costs including but not limited to title, notary and recording fees for loan amounts greater than $100,000. Appraisal may be required at an additional cost.

Rates and terms are effective as of the above date and are subject to change without notice.

Home Equity Loan | 06-12-2024

Term Rate Minimum Loan Amount APR* Payment*
5 Year 7.24% - 13.74% $5,000 7.58% - 14.10% $995.73 - $1,156.68
10 Year 7.49% - 14.99% $10,000 7.67% - 15.20% $593.25 - $806.37
15 Year 7.74% - 14.99% $15,000 7.87% - 15.15% $470.35 - $699.45
20 Year 7.99% - 16.24% $25,000 8.10% - 16.39% $417.91 - $704.65
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*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% and a $399 loan fee.  Maximum CLTV subject to collateral and credit qualifications; tiered rates are based on credit qualifications and CLTV. Loan applications are subject to credit and property approval.  Representative payments shown include only Principal and Interest.  Appraisal may be required at an additional cost. Property insurance required; flood insurance may be required.  Maximum loan limits apply.  Other rates and terms are available for Investment Property or Manufactured Home Equity Loans.

Collateral: Single Family Residence (Primary Residence, up to 95% CLTV).

Rates and terms are effective as of the above date and are subject to change without notice.

Auto, Van, Pickup, SUV 2022 and Newer | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 6.99% - 15.99% $30.87 - $35.15
48 Months 6.99% - 16.24% $23.94 - $28.46
60 Months 7.09% - 16.49% $19.84 - $24.58
72 Months 7.24% - 16.99% $17.16 - $22.24
84 Months 7.44% - 15.00% $15.31 - $19.30
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Auto, Van, Pickup, SUV 2021 or Older | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 7.09% - 17.84% $30.92 - $36.07
48 Months 7.09% - 18.09% $23.99 - $29.42
60 Months 7.19% - 18.84% $19.89 - $25.85
72 Months 7.34% - 19.09% $17.21 - $23.43
84 Months 7.54% - 16.34% $15.36- $20.06
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Motorcycle/Personal Watercraft/Snowmobile/ATV 2023 and Newer | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 8.49% - 16.99% $31.56- $35.65
48 Months 8.74% - 17.24% $24.76 - $28.98
60 Months 8.99% - 17.49% $20.75 - $25.12
72 Months 9.24% - 17.99% $18.14 - $22.80
84 Months 9.49% - 18.29% $16.34 - $21.19
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Motorcycle/Personal Watercraft/Snowmobile/ATV 2022 and Older | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 8.74% - 18.74% $31.68 - $36.52
48 Months 9.24% - 18.99% $25.00 - $29.89
60 Months 9.49% - 19.49% $21.00 - $26.21
72 Months 9.74% - 19.74% $18.39 - $23.80
84 Months 9.99% - 19.99% $16.60 - $22.20
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Recreational Vehicle/Motorhome/Boat - 2023 and Newer | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
60 Months 8.53% - 9.49% $20.53 - $21.00
72 Months 8.53% - 10.09% $17.79 - $18.57
84 Months 8.81% - 10.45% $15.99 - $16.83
120 Months 9.15% - 10.85% $12.75 - $13.69
144 Months 9.17% - 11.25% $11.48 - $12.68
180 Months 9.56% - 12.49% $10.48 - $12.32
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 110% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Recreational Vehicle/Motorhome/Boat 2022 and Older | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
60 Months 8.74% - 9.50% $20.63 - $21.00
72 Months 8.74% - 10.25% $18.14 - $18.91
84 Months 9.24% - 11.99% $16.21 - $17.65
120 Months 9.34% - 12.24% $12.85 - $14.49
144 Months 9.45% - 12.49% $11.64 - $13.43
180 Months 9.56% - 12.74% $10.48 - $12.48
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 100% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Platinum Prime Visa | 06-12-2024

APR Amount
10.65% - 21.65%TV Up to $30,000
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Annual Percentage Rate is for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. 

V Variable Rates, based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the fifteenth business day of each month. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date.

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published. Please contact us for rates and terms specific to your loan request. 

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Cash Back Visa | 06-12-2024

APR Amount
15.25% - 25.75%TV Minimum $5,000. Up to $50,000.
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Annual Percentage Rate is for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. Minimum credit line of $5,000 is required. Earns unlimited 1.50% Cash Back on every purchase.

V Variable Rates, based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the fifteenth business day of each month. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date.

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published. Please contact us for rates and terms specific to your loan request. 

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Savings Secured Visa | 06-12-2024

APR Amount
10.90% Up to $10,000

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. 

Terms & Conditions | Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Undergrad Student Loans | 06-12-2024

Product Amount Financed APR
Private Student Line of Credit (Variable) Up to $75,000 7.75% - 15.75%TV1
Private Student Line of Credit (Fixed) Up to $75,000 7.00% - 15.75%TF
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1Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

Student Loan Refinance | 06-12-2024

Term APR Amount Financed Payment2
5 Year Fixed 6.75% - 15.50%TFD $5,000 - $125,000 $19.68 – $24.05
10 Year Fixed 7.25% - 16.00%TFD $5,000 - $125,000 $11.74 – $16.75
15 Year Fixed 7.75% - 16.75%TFD $5,000 - $125,000 $9.41 – $15.21
5 Year Variable1 7.50% - 15.50%TVD $5,000 - $125,000 $20.04 – $24.05
10 Year Variable1 8.00% - 16.00%TVD $5,000 - $125,000 $12.13 – $16.75
15 Year Variable1 8.50% - 16.50%TVD $5,000 - $125,000 $9.85– $15.00
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**Important Notice: Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates,suspension of payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans. The federal government has temporarily paused payments and interest on federal student loans. The U.S. Department of Education provides updates regarding the pause end date. Visit studentaid.gov/coronavirus for the latest information.

1Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

2Estimated Payment per $1,000 Borrowed.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

D Rates reflect a 0.25% discount for optional enrollment in automatic electronic payments.

All loans subject to credit qualification and additional criteria, including graduating from an approved school.

Personal Loan | 06-12-2024

Term (Up To)1 Minimum Loan Amount APR Fixed and Tiered2 Payment3
6 Months $500 12.70% - 22.45% $172.89 - $177.75
12 Months $1,000 12.70% - 22.45% $89.18 - $93.81
36 Months $3,000 12.95% - 22.70% $33.67 - $38.55
60 Months $5,000 14.20% - 23.95% $23.37 - $28.74
72 Months $10,000 14.45% - 24.20% $20.85 - $26.45
84 Months $25,000 14.70% - 21.45% $19.13 - $23.09
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1Depends on loan amount

2Tiered Rates based on credit qualifications and other factors specific to your loan and may be higher than the
lowest rate published.

3Estimated Payment per $1,000 borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Certificate Secured | 06-12-2024

Amount Financed Term1 APR2 Payment3
Amount on Deposit CD Maturity Date/Up To 36 Months CD APY + 2.00%F $29.61 (Assumes 36 month, $20,000 CD, 2.20% + 2.00% = 4.20% APR)
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1Repayment terms depends on amount financed. 

2 F Fixed Rates.

3Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Savings Secured | 06-12-2024

Amount Financed Term1 APR2 Payment3
Amount on Deposit 60 Months Savings APY + 4.00%V $18.44 (.05% Savings + 4.00% = 4.05% APR, 60 Months)
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1Repayment terms depends on amount financed. 

V Variable Rates.

3Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Business Cash Back Visa | 06-12-2024

APR1 Amount
18.25% - 28.75% Up to $49,500
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Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee.

1 Variable Rates are based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the interest Rate. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date. Tiered Rates are based on credit qualifications and collateral as applicable. Collateral may include equipment and other business assets. The Index is based on the Prime Rate as of the fifteenth business day of each month. 

Please contact us for rates and terms specific to your loan request.  Rates and terms offered are effective as of the above date and are subject to change without notice.

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Business Auto, Van, Pickup, SUV 2022 and Newer | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 7.99% - 13.99% $31.33 - $34.17
48 Months 7.99% - 14.24% $24.41 - $27.45
60 Months 8.09% - 14.99% $20.32 - $23.78
72 Months 8.24% - 15.75% $17.65 - $21.55
84 Months 8.44% - 16.00% $15.81 - $19.86

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Business Auto, Van, Pickup, SUV 2021 or Older | 06-12-2024

Term1 APRs Fixed and Tiered2 Payment3
36 Months 8.09% - 16.35% $31.38 - $35.33
48 Months 8.09% - 16.50% $24.46 - $28.60
60 Months 8.19% - 16.60% $20.37 - $24.64
72 Months 8.34% - 16.85% $17.70 - $22.16
84 Months 8.54% - 17.34% $15.86 - $20.63

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Business Savings | 06-12-2024

Rate APY*
0.05% 0.05%
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Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly. Available to Business memberships only.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings

Business Checking Plus | 06-12-2024

Requirements Rate APY*
$0-3,000 0.05% 0.05%
$3,001-25,000 0.05% 0.05%
$25,001-250,000 0.15% 0.15%
$250,001 or more 0.25% 0.25%
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*Annual Percentage Yield.

$10.00 Monthly Fee (waived with $3,000 average daily balance). Available to Business memberships only.

Per Item Fee (includes checks deposited and/or cleared): First 300 items free per month; 15¢ each thereafter.

Cash Deposited: First $10,000 deposited free, .15% of cash deposited over $10,000

Minimum Opening Balance is $100.00. All rates are variable and subject to change. Truth in Savings

Business Certificates | 06-12-2024

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 4.16% 4.25%
$50,000 4.16% 4.25%
12 Months $500 - $49,999 1.98% 2.00%
$50,000 1.98% 2.00%
24 Months $500 - $49,999 2.08% 2.10%
$50,000 2.08% 2.10%
36 Months $500 - $49,999 2.18% 2.20%
$50,000 2.18% 2.20%
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Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.

*Annual Percentage Yield. Truth in Savings

Business High Yield Money Market | 06-12-2024

Balance1 Rate APY*
$0.00 - $9,999.99 0.05% 0.05%
$10,000 or more 4.40% 4.50%
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*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield. Minimum opening deposit of $10,000 must come from an institution other than Rivermark (New Money).

Available to business memberships only.  Interest is compounded daily and credited monthly. All rates are variable and subject to change. 

Truth in Savings

Business Money Market | 06-12-2024

Balance1 Rate APY*
$0-$2,499 0.10% 0.10%
$2,500-$9,999 0.15% 0.15%
$10,000-$24,999 0.15% 0.15%
$25,000-$49,999 0.20% 0.20%
$50,000-$99,999 0.20% 0.20%
$100,000+ 0.20% 0.20%
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Minimum balance to open $2,500. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings