Starting Monday, April 6th our Southwest location will be closed until further notice. ATM will remain open.

Share Certificate

A Share Certificate offers you the opportunity to earn interest and save money. Certificates have a higher yielding interest return rate than a savings account and avoid the risks of market-based investments with a secure certificate.

  • Open with a $500 minimum deposit
  • Share Certificates $100,000 and above earn higher dividends
  • Flexibility in maturity terms

Certificates are designed to help build wealth for the future.  Please note the following:

  •  After the account is opened, you may not make additions into the account until after the maturity date stated on the account.
  •  Early withdrawals are subject to dividend penalties based on the qualifying period.
    • Less than 12 months – 90 days dividends
    • 12 to less than 24 months – 180 days dividends
    • 24 to less than 48 months – 365 days dividends
    • 48 months and greater – 730 days dividends

Becoming a River City member just got easier! Apply in branch or by phone.

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Share and IRA Certificate Terms for account balance up to $99,999.991 Dividend Rate APY*
Six months 0.499% 0.50%
1 year 0.747% 0.750%
2 years 0.995% 1.00%
3 years 1.094% 1.10%
4 years 1.292% 1.30%
5 years 1.390% 1.40%

Share and IRA Certificate Terms for account balance $100,000 plus1 Dividend Rate APY*
Six months 0.548% 0.550%
1 year 0.797% 0.80%
2 years 1.045% 1.050%
3 years 1.143% 1.150%
4 years 1.341% 1.35%
5 years 1.440% 1.45%


*APY stands for Annual Percentage Yield. Dividend rates are in effect as of March 12, 2020, and subject to change without prior notice.

1Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate. Minimum balance is $500 for Share Certificates and IRA Certificates. IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.

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