Money Market Accounts
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Personal Money Market, CDs and IRA Accounts

Make your savings work for you by opening a River Valley Bank Money Market Account, Certificate of Deposit or Individual Retirement Account. Our money market savings accounts offer a higher rate of interest than our standard checking or savings accounts, but still gives you access to your money. Our CDs help you grow your money with fixed interest rates. And you can save for your retirement with our IRAs. 
 

River Valley account features:


Click on an account for details. 
 

Premier Money Market
Earn tiered interest on your money but still enjoy the flexibility of writing checks and using your check card.

  • $25 minimum to open
  • No $10 monthly service charge if account balance never falls below minimum balance of $2,500
  • Tiered interest begins when account balance is $2,500 or greater – higher account balance earns higher interest rate

Safeguard Money Market
Start earning tiered interest on your money the day you open your account, but still have access to your funds with check writing and check card transactions.

  • $25 minimum to open
  • No $10 monthly service charge if account balance never falls below minimum balance of $2,500
  • Tiered interest – higher account balance earns higher interest rate

Sterling Money Market
Get the security of a savings account with the flexibility of a checking account.

  • $50,000 minimum to open
  • No $10 monthly service charge if account balance never falls below minimum balance of $50,000
  • Tiered interest – higher account balance earns higher interest rate

Lifestyles Money Market
Lifestyles Club is a program for individuals age 50 and older. Save money on banking services and take advantage of special Lifestyles club activities.

  • $25 minimum to open
  • No $10 monthly service charge if account balance never falls below minimum balance of $2,500
  • Tiered interest – higher account balance earns higher interest rate

Private Banking Money Market
Private Banking offers convenience, flexibility and extra power to strengthen your bottom line with a locally-based personal relationship manager.

You’ll have access to comprehensive resources for helping you find solutions to meet your financial objective.

Certificates of Deposit
A term-based investment that has stood the test of time.

A variety of terms are available and a fixed rate is offered according to the term you choose.
 
  • Fixed interest rates
  • A variety of terms available
  • Automatic Renewal
  • Multiple interest payment options available

Individual Retirement Accounts
Save for your retirement and enjoy tax advantages.

River Valley Bank provides a number of IRA investment options
  • Traditional IRA
  • Roth IRA
  • Coverdell Education Savings Account IRA
  • Simplified Employee Pension IRA
  • Rates can be fixed or variable, depending on the account specifics and term. 


*Features on an account may very due to different requirements of an account. Visit a branch near you for details on a specific account or contact us.
 
Federal Regulation D limits certain types of withdrawals and transfers made from a savings or money market account to a combined total of six per account cycle. This includes withdrawals made by check or draft to third parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals such as automatic transfers for overdraft protection and transfers made by telephone, online banking, mobile banking, bill pay, wire and facsimile. Withdrawals and/or transfers exceeding the six per statement cycle allowance, will result in a $10 excessive withdrawal fee per transaction. If limitations are continuously exceeded, it may result in conversion to a RV Checking account. Withdrawals and transfers made in person at a River Valley branch are not included in the limit of six per account cycle.