Save Smarter with Riverfront Certificates!

Looking for a low-risk way to build up your savings? Open a Riverfront certificate in a term ranging from 3-12 months for just $1,000. Short-term certificates offer a greater return on your investment than simply leaving those funds sitting in a savings account. Lock in this competitive fixed rate today with the term that works best for you!
Certificates
Rates Effective: 6/19/2023
Term | APY* |
---|---|
3 months | 5.25% |
6 months | 5.25% |
12 months | 5.25% |
*APY (Annual Percentage Yield). APY accurate as of June 19, 2023 and subject to change. APY is fixed to maturity. Minimum balance requirement is $1,000.00. A certificate of deposit account pays the highest dividends when reinvesting the dividends in the account until maturity, Subject to an early withdrawal penalty. At time of maturity the 3, 6 & 12-month certificates will renew into the original term at the prevailing APR offered at that time. For more information please refer to Riverfront’s Master Account Agreement Part 2.
Certificates
Whether you want to save money for an upcoming expense, add to your retirement savings or save at a higher rate without a risky investment, Certificates are a good way to save and earn more.
- Minimum of $1,000 to open account and earn monthly dividends
- Free Online Banking
- Free eStatements
- No monthly service charge
- Fixed interest rate
- Terms from 3 months to 5 years
- At maturity, funds can be renewed, transferred to a savings account or withdrawn
- Penalty for early withdrawal

Traditional IRA, Roth IRA, Education Savings Certificates
Whether you want to save money for an upcoming expense, add to your retirement savings or just want to save at a higher rate without a risky investment, Certificates are a good way to save and earn more.
- Corresponding savings account for Traditional IRA, Roth IRA or Education Savings Account required
- Minimum of $1,000 to open account and earn monthly dividends
- Free Online Banking
- Free eStatements
- No monthly service charge
- Fixed interest rate
- Terms from 6 months to 5 years
- At maturity, funds can be renewed, transferred to the savings account the certificate was purchased from, or withdrawn
- Penalty for early withdrawal

To purchase a Certificate call, log into Online Banking or visit a branch.
Effective Strategies for Saving
The following recommendations are designed to help you establish and or grow your personal savings.
- Pay Yourself First. When you pay your monthly bills, write a check to yourself, first and put it in your savings account.
- Don’t Borrow Additional Money to Pay off Debts or Bills
- Cut Expenses. Get this number by analyzing your budget and determining where reductions can be made (e.g., eating out, buying snacks and lunch at work, going to the movies, etc.). Once you have determined how much you plan to cut, use this “found” money to pay down the balances on your debts
- Optimize Your Monthly Payment. Pay the maximum amount towards your highest interest rate debts. Pay the minimum amount on all other debts.
- Ask for Reduced Interest Rates. Some creditors, especially credit card companies, will reduce your interest rates if you just call and ask. If you receive offers for other credits cards with lower interest rates in the mail, use those offers as leverage when you are renegotiating your rates with your current creditors.
- Set Goals and Priorities. Determine what’s important. When you prepare to buy something ask yourself if this purchase is in line with the priorities you have set and will it help you reach your goal or delay it.
Ready to Get Started
Basic Checking is a free, no-frills, straightforward account that offers convenient services and no charges.
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