Personal Savings Services

Statement savings³

Interest bearing account.

• Minimum opening deposit of $50
• $50 minimum daily balance to avoid $3 monthly service charge
• ATM¹ accessible
• Interest credited quarterly
• Activity fee of $4 per transaction for excessive transactions³
• Fees may reduce earnings

junior Statement savings³

For individuals under 18 years of age.

• Interest bearing account
• Minimum opening deposit of $25
• Minimum monthly balance of $25 required to avoid $2.50 service charge
• ATM¹ accessible by custodian
• Interest credited quarterly
• Fees may reduce earnings

Certificate of Deposit

Interest bearing account, available to individual or business depositors, guaranteeing a fixed interest rate for a specified length of time. Maturities range from 91 days to 5 years.

• $500 minimum opening deposit
• Automatically renewable
• Interest compounded quarterly and credited quarterly on maturities of 1 year or more; simple interest credited at maturity on maturities of less than 1 year. A penalty will be imposed for early withdrawal.

Health Savings Account

Interest bearing account that offers a way for consumers who have a High Deductible Health Plan (HDHP) to pay for healthcare.

• $50 minimum opening deposit
• Simple interest credited monthly
• Minimum daily balance of $50 required to obtain annual percentage yield
• No monthly service charge
• VISA Debit Card only

Christmas Club

• 12 month auto renewing club. Open as early as November
• Unlimited deposits made in person, transferred from another account either with us or from another Bank
• Interest credited at maturity
• Competitive rate
• No monthly fees
• $25 minimum opening balance
• No withdrawals

1. Transaction fee by ATM owner, other than River Community Bank, N.A. may also apply.
2. Normal approval required.
3. Transfer/Withdrawals from your account are limited to four per month or statement cycle.