# Rivermark Community Credit Union CD and share certificate rates

As of October 22, 2026, Rivermark Community Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 10-month relationship CD ($0 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.00% to 3.50% APY.

Canonical page: https://apyledger.com/cd-rates/rivermark-community-credit-union
Institution: Rivermark Community Credit Union (NCUA 65644)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:55.000Z (October 22, 2026)
Official source: https://www.rivermarkcu.org/rates/deposit/certificates
Coverage: Membership required. Certificates from 6 to 60 months, the 10-month Loyalty CD (requires a checking account open at least 12 months) and youth certificates ($100). Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month Certificate | standard | 6 months | $0 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| Youth 6 Months | special | 6 months | $100 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 6 Month Certificate | standard | 6 months | $50,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 6 Month Certificate | standard | 6 months | $100,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 10-Month Loyalty CD | relationship | 10 months | $0 | 3.75% | Not ZIP-priced | −0.76% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 10-Month Loyalty CD | relationship | 10 months | $50,000 | 3.75% | Not ZIP-priced | −0.76% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 10-Month Loyalty CD | relationship | 10 months | $100,000 | 3.75% | Not ZIP-priced | −0.76% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 12 Month Certificate | standard | 12 months | $0 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| Youth 12 Months | special | 12 months | $100 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 12 Month Certificate | standard | 12 months | $50,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 12 Month Certificate | standard | 12 months | $100,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 24 Month Certificate | standard | 24 months | $0 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 24 Month Certificate | standard | 24 months | $50,000 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 24 Month Certificate | standard | 24 months | $100,000 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 36 Month Certificate | standard | 36 months | $0 | 3.20% | Not ZIP-priced | −1.75% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 36 Month Certificate | standard | 36 months | $50,000 | 3.20% | Not ZIP-priced | −1.75% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 36 Month Certificate | standard | 36 months | $100,000 | 3.20% | Not ZIP-priced | −1.75% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 48 Month Certificate | standard | 48 months | $0 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 48 Month Certificate | standard | 48 months | $50,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 48 Month Certificate | standard | 48 months | $100,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 60 Month Certificate | standard | 60 months | $0 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 60 Month Certificate | standard | 60 months | $50,000 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |
| 60 Month Certificate | standard | 60 months | $100,000 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-23T02:10:55.000Z | [Snapshot 876](https://apyledger.com/snapshots/876) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.