RiverLand Federal Credit Union Go to main content

Bump-Up Certificates

Image of man and woman hiking up a mountain

If you’re looking for a reliable way to increase your savings over time, our Bump-Up Certificates are an excellent choice. Grow your savings with the option to increase, or “Bump-Up,” your rate one time during your certificate term, with no waiting period. Activating your Bump-Up is easy, and there's no cost!  If our current rate on a like-term certificate goes up, all you have to do is contact us to raise your rate.

Bump-Up Certificate Rates
TermMin. BalanceAPR*APY**
24-month $10,000 4.41% 4.50%
36-month $10,000 3.92% 4.00%
60-month $10,000 3.92% 4.00%

Why invest in a Certificate?

  1. Higher Earnings – If you have large amounts of cash sitting in a savings, a checking, 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.
  2. 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.  Learn more at NCUA.gov.
  3. Minimal Effort to Start – Just make a deposit and ask us to put it in the Bump-Up Certificate of your choice.

*APR=Annual Percentage Rate    **APY=Annual Percentage Yield. APY is effective as of July 18, 2024, and is subject to change without notice. Early withdrawal penalties, restrictions, and limitations apply; fees may reduce earnings. Call for details.

Go to main navigation