Share Certificates
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. Check out our Share Certificate rates
- Open with a $1,000 minimum deposit
- Share Certificates $100,000 and above earn an even higher dividend.
- 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, effective December 1, 2012.
- 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
For more River City investment options, you can consult our financial adviser, Jessica McCord, by calling (210) 232-3091 or email her at jmccord@infinexgroup.com.
| Terms for account balance $1,000 to $99,999.99 | Dividend Rate | APY* |
|---|---|---|
| Six months | 0.41% | 0.42% |
| 1 year | 0.69% | 0.70% |
| 2 years | 0.89% | 0.90% |
| 3 years | 1.09% | 1.10% |
| 4 years | 1.19% | 1.20% |
| 5 years | 1.39% | 1.40% |
| Terms for account balance $100,000 plus | Dividend Rate | APY* |
|---|---|---|
| Six months | 0.05% | 0.05% |
| 1 year | 0.10% | 0.10% |
| 2 years | 0.94% | 0.95% |
| 3 years | 1.14% | 1.15% |
| 4 years | 1.24% | 1.25% |
| 5 years | 1.44% | 1.45% |
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of January 11, 2017, and subject to change without prior notice.
Minimum balance is $1,000 for Share Certificate and IRA.
Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate.
IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.
