Primary Savings
Secondary Savings
Traditional IRA
Roth IRA
Open this account to become a RVCU member
Ideal for any need
Ideal for supplementing your retirement
Diversifies your investment portfolio
- Includes the products and services available to credit union members
- $25 minimum balance
- Non-tiered and dividend paid quarterly
- Open as many secondary savings accounts as you wish – build up your emergency fund, save for a wedding, a home remodel, or taxes and more
- No minimum balance
- Non-tiered and dividend paid quarterly
- May qualify for a tax-deductible contribution*
- No minimum balance
- Non-tiered and dividend paid quarterly
- Provides a combination of guaranteed returns and tax benefits for your investment portfolio*
- Contributions made with after-tax dollars, so they typically can be withdrawn at retirement tax-free*
- No minimum balance
- Non-tiered and dividend paid quarterly
Money Market
Health Savings Account
CDs (Certificates)
Save money for future medical expenses
An insured investment
Ideal for those looking for an interest-bearing, low transaction checking account. Includes six transactions per month, requires a minimum balance and the tiered interest is based on the balance of the account.
- Can be spent on qualifying medical costs such as dental, vision, prescription or medical needs
- Annual contributions may be deductible on your federal tax return*
- No minimum balance requirements
- No fees
- Earns dividends computed daily, paid or compounded monthly
- Dividends and qualified withdrawals are exempt from federal taxes
- Solid returns
- Variety of terms
- Low minimum deposit requirements
- Dividends are paid or compounded monthly (compounded into the CD or paid into a savings account)
* Please consult your financial or tax adviser regarding your unique circumstances. After all, everyone’s savings goals are different! HSAs must be combined with a High Deductible Health Plan (HDHP), which covers larger medical expenses after the deductible is met. *APY = Annual Percentage Yield. $25 minimum deposit required in a share savings account to establish credit union membership. The rate may change after the account is opened. Fees could reduce the earnings on the account. For Certificates, a penalty may be imposed for early withdrawal.
BONUS! RVCU ATM Cards: Not only for checking accounts
At Rock Valley Credit Union, you don’t need a checking account just to have an ATM card. Our cards are exclusive to members with savings accounts, and you can use them to check your account balance or withdraw cash from more than 85,000 ATMs across the country – all without surcharges – thanks to our AllPoint and Co-Op networks.
To get your ATM card:
- Request your free ATM card by calling (815) 282-0300 or visiting a branch
- Your ATM card will arrive by mail within 7-10 business days
* Please note: ATM cards cannot be used for purchases. Daily limit withdrawal is $260. For all ATMs, the “Fast Cash” option is not available. to withdraw cash, select “Savings” and then enter the specific denomination desired.
To activate your card or report it lost/stolen:
Call (800)-290-7893 or 206-624-7998 if located outside the U.S.
After Hours Lost/Stolen: 888-297-3416 | (206) 389-5200 if located outside the U.S.
