RiverLand Investment & Deposit
Accounts
Do the
ups and downs on Wall Street have you looking for a safe place for your investments.
If market volatility has you concerned about investing, check out RiverLand's
investments. All accounts are Federally Insured and the minimum balance requirement on most investment accounts is just $1,000.
Money Market Accounts
Money Market accounts are a great way to build income and we have two options for you to choose from:
Money Market and Super Money Market.
RiverLand Money Market Accounts have a tiered rate structure so you can earn greater dividends based on your account balance. If you plan on saving money for a major purchase like a new home, a remodeling project
or even your retirement, with either Money Market Account you can earn great dividends*, feel secure about your investment,
and still have full access to your money. Money Market accounts offer you the flexibility,
dividends, and protection against loss that you need.
Rates effective: June 21, 2010
Money Market
Earn up to 0.60% APY*
Account Balance APR* - APY*
$1,000 - $9,999.99 0.59% - 0.60%
$10,000 and more 0.59% - 0.60%
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Super Money Market
Earn up to 0.70% APY*
Account Balance APR* - APY*
$25,000 - $49,999.99 0.69% - 0.70%
$50,000 - $74,999.99 0.69% - 0.70%
$75,000 and more 0.69% - 0.70%
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Great Dividends • Money Market Liquidity • Federally Insured
 Current
Rates
Open a Money Market Account
To open a Money Market Account you may CLICK HERE, visit a local branch or call:
(504) 576-5800 or Toll-Free 800-586-4RCU (4728).
*APY = Annual Percentage Yield. Rates are adjustable. If account balances drop below minimum requirements, dividends will not be paid. Restrictions and limitations apply, call for details.
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Certificates of Deposit
RiverLand offers low minimum balance Certificates with terms ranging from 3 to
60 months. Certificates generally earn higher dividend rates than regular savings
or Money Market accounts. Dividends earned on certificates may be transferred
monthly to your share or checking account, added to your certificate balance, or mailed to you.
Interest
Interest begins to accrue from date of deposit. Interest is compounded monthly.
Early
withdrawals may reduce earnings and are subject to penalty. The disclosed Annual Percentage Yield assumes
interest remains on deposit until maturity.
Step-Up Rate Options Help Remove the Rate Risk of Investing in a Certificate During a Rising Rate Market!
We offer Step-Up Rate options on our 6,
12, 18, 24, 36, and 60 month Certificates. With Step-Up, once you purchase a Certificate, after half the term of the CD has expired, you may choose to Step-Up the Rate to the current rate that is offered on a CD of the same term as the one originally purchased. Plus, there is no cost to activate Step-Up and it's easy; all you have to do is request the Step-Up rate option when you purchase, or renew, your CD then contact one of our friendly Investment Counselors and let us know when you want to Step-Up your rate!
Certificate of Deposit Requirements
When you invest in a Certificate of Deposit, you contract with RiverLand Credit
Union to place funds in the Account for a specific term. The interest rate, and
corresponding annual percentage yield, on a fixed-rate certificate will be fixed
when the deposit is made and will remain in effect until the maturity date. Additional
deposits are not permitted during the term of investment.
Open a Certificate of Deposit
To open an account visit your local branch or call:
(504) 576-5800 or Toll-Free 800-586-4RCU (4728).
Current
Rates
Individual Retirement Account (IRA)
 If you plan to retire, plan to retire well with a RiverLand IRA. Whether making individual contributions (Traditional, Roth, or Coverdell Education Savings Account) or SEP contributions, we offer competitive rates and flexible terms. And, there are no annual fees or maintenance fees charged.
| Why Open an IRA Account? |
 Visit Retirement Central™ |
- Money Market Liquidity
- Certificates of Deposit Available
- Federally Insured
- Guaranteed Dividends
- Only a $100 Minimum Balance for an IRA Money Market Account
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Retirement Central™ has the tools and information you need to help you make smart decisions about IRAs and your retirement. |
How do you decide which IRA is right for you? 
It depends on what type of contribution you’re eligible for and your specific financial situation. Our IRA Calculators will help you determine which IRA you’re eligible for and then help you evaluate which type is best for you. And our articles in Retirement Central™ will teach you what you need to know about IRA tax advantages, contribution limits, and withdrawal rules.
Open an Individual Retirement Account (IRA)
To open an account you have two options to choose from; visit your local branch, or call and speak to one of our friendly investment counselors:
(504) 576-5800 or Toll-Free 800-586-4RCU (4728)
Current
Rates
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Click here for information on Deposit Insurance. 
