Personal Savings Services

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
  • No minimum opening deposit required
  • 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
  • Monthly Service Charge of $3.00
  • 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
  • No minimum opening balance required
  • 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.