What are the current interest rates at River Bank?

Current rates for River Bank include: 12-Month CD: 4.30%, Savings: 0.10%, MMA: 1.26%

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River Bank

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River Bank Rates & Review September 2026

Q: How many branches does River Bank operate?

River Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, River Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, River Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

River Bank's 12-Month 12-Month CD Special rates are at 4.30%. River Bank's savings rates are at 0.10%. River Bank's money market rates are at 1.26%. MonitorBankRates evaluates the financial stability of River Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.10%. Rates last updated and verified on 09/19/2026.

River Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at River Bank? Share your experience about River Bank by leaving a review below, or read customer reviews before you decide to use River Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.10%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

River Bank

145 N Main St
Stoddard, WI 54658

https://www.riverbank.biz

River Bank CD Rates

Product	Rate	APY	Term	View More
12 Month CD Special	-	4.30%	12-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

River Bank Savings Rates

Product	Rate	APY
Youth Savings	5.87%	6.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Health Savings Account	0.25%	0.25%
Min Deposit $100 Min Balance $500 Details Balance: $5,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Health Savings Account	0.20%	0.20%
Min Deposit $100 Min Balance $500 Details Balance: $1,500.01 - $5,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Youth Savings	0.20%	0.20%
Min Deposit $25 Min Balance $0 Details Balance: $5,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Health Savings Account	0.15%	0.15%
Min Deposit $100 Min Balance $500 Details Balance: $500.00 - $1,500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

River Bank Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $100,000.01 and Up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market Account	1.50%	1.51%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $25,000.01 - $100,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market Account	1.25%	1.26%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - $25,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

River Bank Checking Rates

Product	Rate	APY
Rewards Checking	3.00%	3.04%
Min Deposit $50 Min Balance $0 Details Up to $10,000.00; Qualifying balance up to $10,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Rewards Checking - Qualifications ARE Met	3.00%	3.04%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
50+ Checking Account	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Business NOW Checking	0.10%	0.10%
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Rewards Checking - Qualifications ARE Met	0.10%	0.10%
Min Deposit $50 Min Balance $10,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $10,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Rewards Checking - Qualifications NOT Met	0.10%	0.10%
Min Deposit $50 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Rewards Checking and Up	0.10%	0.10%
Min Deposit $500 Min Balance $500 Details $10,000.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

River Bank’s Texas Ratio fell from 2.80% in Q3 2023 to 1.10% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	1.10%	5.0	A+
March 31, 2026	$1.1B	1.44%	5.0	A+
December 31, 2025	$1.0B	1.88%	5.0	A+
September 30, 2025	$1.0B	1.72%	5.0	A+
June 30, 2025	$1.0B	1.77%	5.0	A+
March 31, 2025	$1.0B	2.03%	5.0	A+
December 31, 2024	$1.0B	2.15%	5.0	A+
September 30, 2024	$1.0B	1.78%	5.0	A+
June 30, 2024	$1.0B	1.91%	5.0	A+
March 31, 2024	$1.1B	1.97%	5.0	A+
December 31, 2023	$1.1B	2.11%	5.0	A+
September 30, 2023	$1.1B	2.80%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for River Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather River Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with River Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name River Bank

Bank Holding Company RIVER HOLDING CO

Address 145 N Main St, Stoddard, WI 54658 · Vernon

Website https://www.riverbank.biz

FDIC Certificate # 14995

Established 19111011

FDIC Insurance Date 19340101

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1440%

Return on Equity (ROE) 9.6700%

Non-Performing Loans (NPL) 0.14%

Total Assets $1,018,687,000

Total Deposits $755,702,000

Equity Capital $124,747,000

Net Income $5,943,000

Headquarters Stoddard

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

River Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for River Bank yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for River Bank

Frequently Asked Questions About River Bank

How many branches does River Bank operate?

River Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, River Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, River Bank provides members with tools to manage their accounts and build a solid financial history.

Does River Bank offer online and mobile banking?

Most modern institutions like River Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.riverbank.biz.