Saving money is great. Growing your money is even better!
If you prefer having peace of mind on your investments, our federally-insured Certificates are for you. We feature fixed rates for 6 to 60-month terms. The minimum balance on most of our Certificates is just $1,000, and dividends can be paid to you monthly, deposited into another account, or reinvested back into the Certificate.
Here’s what our Certificates offer:
- Our highest rates
- No setup or monthly maintenance fees
- Convenient dividend payment options
- Automatic renewal
- IRA, HSA, & ESA options
Ready to open a Certificate?
Regular Certificate Rates
| Term | Min. Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6-month | $1,000 | 3.44% | 3.50% |
| 12-month | $1,000 | 3.83% | 3.90% |
| 18-month | $1,000 | 4.02% | 4.10% |
| 24-month | $1,000 | 3.68% | 3.75% |
| 36-month | $1,000 | 3.68% | 3.75% |
| 60-month | $1,000 | 3.68% | 3.75% |
Want to open your account with funds already at RiverLand?
Call us or send us a message through Online Banking.
Why invest in a Certificate?
Higher Earnings
Higher Earnings
If you have large amounts of cash sitting in a checking account or hidden in a box, it’s probably not earning much. Certificates have a higher return than most savings options, allowing your money to grow faster.
financial security
Financial Security
If you invest in the stock market or cryptocurrency, you may lose money in an economic downturn. With us, your money is guaranteed to earn dividends* and is federally insured to at least $250,000.
minimal effort to start
Minimal Effort to Start
Just make a deposit and ask us to put it in the Certificate of your choice.
Frequently Asked Questions
*APY = Annual Percentage Yield. Early withdrawal penalties, restrictions, and limitations may apply; fees may reduce earnings. Call for details.