Effective 4/27/20
| AMOUNT | Rate | APY** | NOTE |
|---|---|---|---|
| $0.01 to $9,999.99 | 0.01% | 0.01% | (Earned on the first $9,999.99) |
| $10,000 to $24,999.99 | 0.06% | 0.06% | (Earned on the next $14,999.99) |
| $25,000 and up | 0.10% | 0.10% | (Earned on all over $24,999.99) |
Rates & Fees
SAVINGS RATES
Effective 4/27/20
CD RATES
Effective 07/20/20
$250 Minimum, Compounds Quarterly
| TERM | Rate | APY** |
|---|---|---|
| 6 Months | 0.40% | 0.401% |
| 12 Months | 0.70% | 0.702% |
| **24 Months | 0.85% | 0.853% |
| 30 Months | 0.95% | 0.954% |
| **36 Months | 1.05% | 1.054% |
| **48 Months | 1.15% | 1.555% |
| **60 Months | 1.25% | 1.256% |
MONEY MARKET SAVINGS ACCOUNT
Effective: 04/27/20
| AMOUNT | Rate | APY** |
|---|---|---|
| †Money Market rates are paid on a tiered level which means when your balance reaches the next level all funds are paid the higher rate. | ||
| $.01 to $2,499.99 | 0.00% | 0.00% |
| $2,500 to $19,999.99 | 0.20% | 0.20% |
| $20,000 and up | 0.30% | 0.30% |
SUPER MONEY MARKET SAVINGS ACCOUNT
Effective: 07/20/20
| AMOUNT | Rate | APY** |
|---|---|---|
| †Money Market rates are paid on a tiered level which means when your balance reaches the next level all funds are paid the higher rate. | ||
| $.01 to $24,999.99 | 0.00% | 0.00% |
| $25,000 - $99,999.99 | 0.70% | 0.70% |
| $100,000 and up | 0.80% | 0.80% |
GIVE AND GET MONEY MARKET
Effective: 07/20/20
| AMOUNT | Rate | APY** |
|---|---|---|
| †*Deposit match. Must bring in at least 50% from another Financial Institution. †Money Market rates are paid on a tiered level which means when your balance reaches the next level all funds are paid the higher rate. |
||
| $25,000 - 99,999.99 | 0.70% | 0.70% |
| $100,000 & Over | 0.80% | 0.80% |
GATHER AND GROW CD
Effective 07/20/20
$100 minimum deposit is required to receive certificate rates. Compounds quarterly. Add $75.00 per quarter to earn bonus dividend of 0.50%
| TERM | Rate | APY** |
|---|---|---|
| 36 Months | 1.20% | 1.205% |
ALL CHECKING RATES
Effective: 07/20/20
| PRODUCT | APR* | APY** |
|---|---|---|
| †Go Green Checking — some restrictions apply. Must be signed up and using services. Dividends are paid on the 1st of the month up to $50,000 balance. | ||
| Access Checking | 0.00% | 0.00% |
| Prime Access Checking | 0.05% | 0.05% |
| Opportunity Checking | 0.00% | 0.00% |
| Go Green Checking† | 1.25% | 1.255% |
| Business Checking | 0.00% | 0.00% |
HOME MORTGAGE
Effective 4/29/20
| Account | Rate | APR* |
|---|---|---|
| 15 Year Fixed Rate | 2.875% | As low as |
| 30 Year Fixed Rate | 3.25% | As low as |
| 5 Year ARM | 3.39% | As low as |
| 3 Year ARM | 3.09% | As low as |
| 1 Year ARM | 2.99% | As low as |
PERSONAL LOANS
Effective 1/22/19
| ACCOUNT | TERM | APR* | CONDITIONS |
|---|---|---|---|
| †The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all members will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval. | |||
| Signature Loan | up to 36 months | As low as 9.99% | Creditworthiness |
AUTO & RECREATION
Effective 1/22/19
| ACCOUNT | TERM | APR* | CONDITIONS |
|---|---|---|---|
| †The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all members will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval. | |||
| New Auto | up to 48 months | As low as 3.94% | up to $100,000 |
| New Auto | up to 84 months | As low as 4.75% | up to $100,000 |
| Used Auto† | up to 72 months | As low as 3.94% | up to $100,000 |
| Motorcycle RV and Boat†† | up to 60 months | As low as 5.75% | up to $100,000 |
HOME EQUITY LINE OF CREDIT (HELOC)
Effective 05/27/20
| Account | Term | APR* |
|---|---|---|
| ☨ - As Low As | ||
| Traditional Home Equity Line of Credit | up to 10 years | 5.25%☨ |
| Home Equity Fixed | up to 5 years | 4.25%☨ |
| HELOC 3 Yr. | 3 years | 4.60%☨ |
| HELOC 5 Yr. | 5 years | 4.75%☨ |
| ATM Withdrawal Fees | |
|---|---|
| Credit Union owned or CO-OP network ATM’s | FREE |
| Foreign ATM Fee (per transaction) | $2.00 |
| Wire Transfer Fees (per wire) | |
|---|---|
| Incoming | FREE |
| Outgoing Domestic | $20.00 |
| Outgoing International | $35.00 |
| Safe Deposit Boxes (per year) | |
|---|---|
| 3 x 5 | $15.00 |
| 5 x 5 (Salem Location) | $20.00 |
| 3 x 10 | $30.00 |
| 5 x 10 (Rolla Location) | $36.00 |
| 10 x 10 | $50.00 |
| Prime Access 55 Account | |
| 3 x 5 | $12.00 |
| 5 x 5 (Salem Location) | $17.00 |
| 3 x 10 | $27.00 |
| 5 x 10 (Rolla Location) | $32.00 |
| 10 x 10 | $45.00 |
| Overdraft Fees | |
|---|---|
| Overdraft Fee | $29.00 |
| Return Item Fee | $29.00 |
| Overdraft Privilege Fee (per item) | $29.00 |
| Statement Paper (each) <$500 Average Checking Balance | $5.00 |
| Statement Copy (each) | $5.00 |
| Replacement/Lost ATM Card | $5.00 |
| Replacement/Lost Debit Card | $5.00 |
| Misc. Fees | |
|---|---|
| Account Research/Reconciliation (per hour) | $20.00 |
| Bill Pay Stop Payment | $5.00 |
| BluePay | $10.00 |
| Check Copy | $3.00 |
| Check Copy Corporate Draft | $10.00 |
| Copy each (1st 3 FREE) | $0.10 |
| Corporate Check Fee - 3 Free per month | $1.00 |
| Dormant Account Fee (per quarter)1 | $5.00 |
| E-Statements | FREE |
| Fax Incoming/Outgoing (per page) | $1.00 |
| Federal Express Fee | $35.00 |
| Excessive Usage Fees | |
|---|---|
| Gateway Savings | $0.00 |
| Bright Start Savings | $0.00 |
| Savings My Way | $0.00 |
| Christmas Club Savings | $0.00 |
| Money Market Savings | $0.00 |
| Loan Fees | |
|---|---|
| Consumer Processing Fee | $89.00 |
| Lein Release | $10.00 |
| Mortgage Processing Fee (ARM) | $299.00 |
| Mortgage Processing Fee (FIXED) | 1% Loan Origination |
| Business Processing Fee without Real Estate | $199.00 |
| Business Processing Fee with Real Estate | $299.00 |
Check Out Other Riverway's Product & Services
MONEY MARKET SAVINGS
Do you want to earn high interest on your money while still having access to it? Who wouldn't? All you need is a $2,500 minimum.
HOME MORTGAGE
We can help you attain your dream home with a selection of fixed- and adjustable-rate loans, including Conventional, USDA, VA or FHA loans.
GO GREEN CHECKING
Who knew going green could fatten your wallet? With the new Go Green Checking Account your account can earn up to 2% interest.
CHRISTMAS CLUB SAVINGS
Save throughout the year so your checking account never has to feel the holiday pinch again with Christmas Club Savings!
HOME REFINANCE
Need some extra cash flow to upgrade or improve your current space? Now would be a great time to refinance your home with Riverways.
BUSINESS CHECKING
This one is for all the entrepreneurs out there, This account has low interest rates, great service and not a bunch of those fees you see at banks.
GATEWAY SAVINGS
This is your Gateway to all that Riverways Federal Credit Union has to offer – a super simple savings account with a $5 minimum.
SUPER MONEY MARKET SAVINGS
This new service from Riverways FCU gives you great rates on your money while still allowing access, all with NO MINIMUM DEPOSIT!
SAVINGS MY WAY ACCOUNT
This is the perfect account for kids 11 to 17 years of age. They earn $1 for every "A" received on their grade card (up to $5) per school quarter.
What Our Members Say
Amber was super helpful today. I’ve been banking with them for several years now and have always gotten the best customer service , no matter what. Super friendly, super clean and really go out of their way for their customers. Love this Bank.
Jessica at Riverways helped me so much recently! A transaction was made that I didn’t approve from a credit card company and she helped me make sure I talked to the right people there to get it reversed and she also helped me with my overdraft fees from that non authorized transaction! She was amazing and made the process way less stressful and ensured me everything would be ok! I highly recommend speaking with her! She is very sweet and can help ease your mind! Thank you Jessica!
I love banking here but I’m also so proud of the precautions they are taking to keep our community safe! Katie Sapp was out cleaning the atm after every customer with a smile on her face and acknowledged me with such joy. Way to go!
Riverways Federal Credit Union
Rolla Location
Salem Location
Cuba Drive-Thru Facility
Toll-Free
FEATURED RATES
| Loans: | APR* |
|---|---|
| Auto Loans, as low as | 3.94% |
| Signature Loans, as low as | 9.99% |
| Mortgages: | APR* |
| 30 Year Fixed | 3.25% |
| HELOC | 5.25% |
| Savings Rates: | APY** |
| Money Market, as high as | 0.30% |
THE LEGAL STUFF
*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield. As high as based on tier, term, or other factors.
The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all members will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.
Rate reflects maximum available discounts. Contact a Membership Representative for rate discount qualifications.
NMLS ID: 417511