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

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

We now offer Step-Up Rate options on our 6, 12, 18, 24, 36, and 60 month Certificates. 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.  Our Step-Up rate option helps remove the rate risk of a rising rate market.

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 the IRA Center™
- Money Market Liquidity - Certificates of Deposit Available  - Federally Insured  - Guaranteed Dividends - Only a $100 Minimum Balance for an IRA Money Market Account	The IRA Center™ 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 our IRA Center™ 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 three options to choose from; click here IRA Center™ for all of the necessary forms, 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).

Open an IRA Account                               

Current Rates

Health Savings Accounts (HSAs)

No Setup or Monthly Maintenance Fees!

An HSA combines a qualified high-deductible health plan with a tax-sheltered savings account.  Eligible individuals may contribute and easily withdraw tax-free dollars to pay for qualified medical expenses.  HSAs are the best way to save for medical expenses incurred now, or in the future because balances roll over year-to-year.  Click the link below to learn more about how and HSA can benefit you!

Learn more >>

Current Rates

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Direct deposit is the safest and easiest way to get your Social Security and other federal benefit payments.

Sign up for direct deposit of your Social Security or SSI payment!

Your Accounts are Federally Insured to at least $250,000 by the National Credit Union Administration.

Click here for information on Deposit Insurance.