Rates

Share And Share Draft Account Rates
Account Type Dividend Rate Annual PercentageYield (APY)
Primary Shares
Share Balance $200.00 to $999.99 0.05% 0.05%
Share Balance $1,000.00 to $9,999.99 0.05% 0.05%
Share Balance $10,000.00 and above 0.15% 0.15%
Share Draft
Share Draft Balance $1,000.00 and above 0.05% 0.05%
Christmas Club
Interest earned on any balance 0.20% 0.20%
River Rascal Children’s Account
Share Balance $1.00 and above 1.00% 1.00%
Individual Retirement Account (IRA) Rates
Account Type Dividend
Rate
Annual Percentage
Yield (APY)
Traditional and Roth IRA
Balance $0.00 to $9,999.99 0.20% 0.20%
Balance $10,000.00 to $99,999.99 0.30% 0.30%
Balance $100,000.00 and above 0.50% 0.50%
Share Certificates
Term Minimum Balance
Requirements
Dividend
Rate
Annual Percentage
Yield (APY)
91 Day $1,000.00 3.45% 3.45%
6 Month $1,000.00 3.82% 3.86%
1 Year $1,000.00 4.15% 4.23%
2 Year $1,000.00 4.30% 4.39%
3 Year $1,000.00 4.00% 4.01%
Unsecured/ Signature
Loan Amount Interest Rate
As Low As
Term
$500.00 9.47% 6 Months
$1500.00 9.47% 12 Months
$2000.00 9.47% 18 Months
$3000.00 9.47% 30 Months
$5000.00 9.47% 40 months
$5000.00 9.47% 40 Months
Share and Share Certificate Secured Loans
Type of Loan Annual Percentage Rate
As Low As
New Vehicle
Includes: New, Demo and Program Automobile, Truck,
Van, Boat, Recreational Vehicle, Motor Home,
Camper, ATV, Motorcycle, and Jet Ski
Rates Change Often, Contact us for current rate

36 Month term 5.37%
60 Month Term 5.62%
72 Month Term 5.97%
84 Month Term 6.47%

Used Vechicle
Includes: Used Automobile, Truck, Van, Boat, Recreational
Vechile Motor Home, Camper, ATV, and
Motorcycle(No Used Jet Ski)
Rates Change Often, Contact us for current rate

5.97%

Miscellaneous Collateral
Includes: Tractors, Farm Equipment, Lawn Mower,
Furniture, New Appliances, Household Goods,
PC’s, etc.
Rates Change Often, Contact us for current rate

9.47%

Home Equity
Real Estate**Rates based on Term, Down Payment, and Credit Score**
Rates Change Daily.

Rates as low as 6.59% (APR)

MEMBER LOYALTY

River Valley wants to reward loyalty with great discounts.

  • Been a member over 5 years? 10 years? Even over 15 years? You qualify!
  • Great rate discounts off our already low rates!
  • Great Terms as long as 84 months!
  • Access to additional products and services like Auto Warranty and GAP Coverage
  • You have been loyal to us, let us be loyal to you!

Contact our friendly loan staff today and let them assist you with a loan to fit your needs!