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 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 maintenance fee if average collected account balance doesn't fall below minimum balance of $2,500 for any statement cycle
  • 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 maintenance fee if average collected account balance doesn't fall below minimum balance of $2,500 for any statement cycle
  • 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 maintenance fee if average collected account balance doesn't fall below minimum balance of $50,000 for any statement cycle
  • Tiered interest – higher account balance earns higher interest rate

Lifestyles Money Market
Lifestyles Club is a program for people who have $5,000 or more on deposit with River Valley Bank. Save money on banking services including safe deposit boxes and take advantage of special Lifestyles club activities.

  • $25 minimum to open
  • No $10 monthly maintenance fee if average collected account balance doesn't fall below minimum balance of $2,500 for any statement cycle
  • 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 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.