All Rates

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

*APY = Annual Percentage Yield. Interest is compounded and credited monthly. All rates are variable and subject to change. 4.25% 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.

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

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

**9 Month Special: Upon maturity, the 9 Month CD account will automatically renew for a 12-month term at then-current 12 month CD rate.

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

This account is no longer offered as of 10/31/24.

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.

**New Funds tier was discontinued as of 5/1/24. $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.

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

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

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

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

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

$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

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.

*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.

Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.

¹ Minimum $5,000 amount. Maximum CLTV subject to collateral & credit qualifications

² 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.

*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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

**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.

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.

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.

¹Repayment terms depends on amount financed. 

² 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.

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.

Card Agreement and Disclosure

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

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.

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

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.

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

^*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

Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.

^*Annual Percentage Yield. Truth in Savings

^*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

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