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Savings Rates

Open an Account

03/12/2025

Product Amount Rate APY
New Member Savings $0.01 or more 3.69% 3.75%
Savings $0.01 or more 0.05% 0.05%
You Name It Savings $0.01 or more 0.05% 0.05%
Youth Savings $0.01 or more 0.05% 0.05%
Start Savings
$0.01 - $500 1.00% 1.00%
$500.01 or more 0.05% 1.00% - 0.15%
IRA & ESA Savings
$0-$24,999.99 Balance 0.05% 0.05%
$25,000-$49,999.99 Balance 0.10% 0.10%
$50,000-$99,999.99 Balance 0.10% 0.10%
$100,000+ Balance 0.10% 0.10%
My First Home Savings
$0.01 - $500 1.00% 1.00%
$500.01 or more 0.05% 1.00% - 0.15%

New Member Savings

Amount $0.01 or more
Rate 3.69%
Apy 3.75%

Savings

Amount $0.01 or more
Rate 0.05%
Apy 0.05%

You Name It Savings

Amount $0.01 or more
Rate 0.05%
Apy 0.05%

Youth Savings

Amount $0.01 or more
Rate 0.05%
Apy 0.05%

Start Savings

Amount $0.01 - $500
Rate 1.00%
Apy 1.00%

Amount $500.01 or more
Rate 0.05%
Apy 1.00% - 0.15%

IRA & ESA Savings

Amount $0-$24,999.99 Balance
Rate 0.05%
Apy 0.05%

Amount $25,000-$49,999.99 Balance
Rate 0.10%
Apy 0.10%

Amount $50,000-$99,999.99 Balance
Rate 0.10%
Apy 0.10%

Amount $100,000+ Balance
Rate 0.10%
Apy 0.10%

My First Home Savings

Amount $0.01 - $500
Rate 1.00%
Apy 1.00%

Amount $500.01 or more
Rate 0.05%
Apy 1.00% - 0.15%

1 New Member Savings

Minimum balance to open is $5.00. New Member Savings available to new members who meet the minimum requirements for each monthly qualification cycle. Limited to one account per member. To meet the minimum qualification requirements, you must: (1) be a new member to the credit union; 2) open a Rivermark checking account (excludes HSA); and 3) have one direct deposit of $100.00 or greater post to your Rivermark checking account each month. The monthly qualification cycle is defined as the first calendar day of the month through the last calendar day of the month. Account transactions may take one or more business days from the date the transaction was made to post to the account. After your account is opened for 12 months or if you do not meet all of the minimum qualification requirements during any monthly qualification cycle, your account will convert to a Savings account at the prevailing rates. A new member is an individual who has not had an open Rivermark membership in the last 6 months.

2 Savings Account

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. Member Share Account.

3 You Name it Savings

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. Name your account for your savings goal and you’ll be able to track your progress more easily.

4 Youth Savings

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. For youth members not yet ready to manage their own accounts.

5 Start Savings

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. On the first day of the month following your 23rd birthday, your account will convert to a Savings account. Start Savings assumes a maximum balance of $5,000 when calculating the blended APY rate range. Your APY will decrease as your balance increases. Perfect for teens and college students learning to save smarter. Earn an incredible rate and get access to online financial learning.

6 IRA Savings

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. Traditional IRA’s, Roth IRAs, and Educational Savings Accounts available. You may also invest your IRA funds in a Rivermark Certificate Account.

7 My First Home Savings

Minimum balance to open is $5.00. Interest compounded and credited monthly. This is a variable rate account, and the rate may change after account opening without notice. Save for your first home with an account that rewards you with tax benefits. My First Home Savings Contribution limits are set by the Oregon Department of Revenue and are subject to income restrictions. Please consult your tax advisor or the Oregon Department of Revenue (HB 4007) for a complete list of rules governing this account and the qualification to determine your applicable tax deductions. The credit union is not responsible or liable for: (a) Determining or ensuring an account satisfies the requirement to be a First-Time Home Buyer Savings account; (b) Determining or ensuring funds in a First-Time Home Buyer Savings account are used for eligible costs; or (c) Reporting or remitting taxes or penalties related to the use of a First-time Home Buyer Savings account. Contributions can be made for up to 10 years or until you purchase a house. The account will be converted to a savings account on the first day of the month following 10 years from the date you opened your account. My First Home Savings assumes a maximum balance of $5,000 when calculating the blended APY rate range. Your APY will decrease as your balance increases.

APY (Terminology)

APY = Annual Percentage Yield.