Money Market Accounts
HomePersonal BankingPersonal Money Market CDs and IRA Accounts

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 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. 

RV Money Market
Keep your nest egg secure with tiered interest.

  • Tiered interest
  • $25 minimum opening deposit
  • $2,500 minimum average ledger balance to avoid maintenance fee and earn interest
  • $10 monthly maintenance fee

RV Money Market Plus
Earn higher interest with a higher minimum balance.

  • Tiered interest
  • $25 minimum opening deposit
  • $50,000 minimum average ledger balance to avoid maintenance fee and earn interest
  • $10 monthly maintenance fee

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 the number of certain withdrawals and transfers on savings and money market accounts to a total of six per monthly cycle. This includes transfers to another account or to a third party made via a preauthorized, automatic, telephone, check, point-of-sale (POS) card purchase, online, mobile or similar order. Transfers and withdrawals made in excess of this limit will result in a $10 excess item service charge per transaction and may subject your account to changes or closure. Withdrawals and transfers made in person at any River Valley branch or ATM are not subject to this limit.