Standard CDs

River Region offers Certificates of Deposit (CDs) in terms varying from 3 months to 5 years, depending on your needs.  A CD will earn a substantially higher rate than a share, but withdrawal before the end of the certificate term will result in an interest penalty.  Standard certificates have a minimum balance of $500.00.

Payroll CDs

Payroll CDs are a great product for members who can’t deposit an initial $500, but still want the higher rate of return offered by maintaining a CD. Payroll CDs require just a $10 initial deposit*, and you can electronically contribute a little each month. River Region can set up automatic transfers from your check for your convenience.

Payroll CD Benefits:

  • Enjoy annual maturity with withdrawal flexibility
  • Electronically deposit just $10 a month to maintain your CD
  • Grow your CD balance and diversify your savings portfolio


*APY: Annual Percentage Yield. To qualify for 3.5% APY you must maintain an active checking or loan product. The 3.5% APY is applicable for a one time 12 month period. Initial deposit cannot exceed $1,000.00. Rates effective 8/30/2018, and are subject to change daily.

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