Term Share Certificates (CDs)
Members interested in an investment account can take advantage of a variety of competitive-yield certificates. Generally, a River-Rail Community Federal Credit Union certificate always earns you more than a regular savings account, because you deposit a specified amount for an established period of time. Dividends earned are paid monthly or quarterly.

River-Rail Community FCU Certificates can be tailored to fit your financial needs, with terms as short as 6 months or up to 5 years to lock in high earnings. The dividend rates with credit union are usually higher that other financial institutions and our minimum deposit is only $2000.00.

Investing in certificates is a safe, simple way to earn a competitive rate on your money. Dividends are paid monthly or quarterly to your shares account, therefore compounding quarterly to obtain the interest yielded from the shares account.

Invest short-term for maximum liquidity, or long-term for the highest possible rate of return.

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Individual Retirement Accounts
If you don't have an IRA, you owe it to yourself and your financial future to start your account now.  The future of Social Security is an unknown, so take care of yourself and your loved ones by starting an IRA.

Our rates are competitive, your account is insured, and we pay particular attention to your personal financial needs, because at River-Rail Community, you are a member, not just a customer.

This year you can contribute $5,000 to a Roth or traditional IRA.  You can contribute even more if you are 50 or older.  The longer you wait to contribute to an IRA, the more you miss out on because every additional year of dividends adds a lot to your total IRA value.

Starting your IRA, or transferring it to the credit union, could be one of the best financial moves you'll ever make.  If you would like more details or have any questions, call one of our IRA Specialists today at 307-234-4271. This article is not intended to provide tax advice. Contact a tax professional.
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Branch Locations

Downtown Casper
555 South Wolcott
Casper, WY 82601
(307) 234-4271


Mills Branch
945 Pendell Boulevard
Mills, WY 82644
(307) 266-5770


Greybull Branch
400 North 6th Street #2
Greybull, WY 82426
(307) 765-2852


Elk Basin Branch
246 N. Absaroka
Powell, WY 82435
(307) 754-9814