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Certificate of Deposit

A Certificate of Deposit at the River Falls State Bank offers a competitive interest rate, flexible terms and financial safety. Whether your financial goals are short or long-term, we have the certificate that can help you meet those goals.

Current Rates

  • Minimum deposit required
  • Available IRA - 72 month term
  • Interest begins to accrue the business day that any cash is deposited
  • Interest on the account is compounded and credited quarterly

*Once an account is opened, you may not add additional deposits into the account. Withdrawals of the principal are subject to early withdrawal penalty.

*We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

*Early withdrawal of principal before the maturity date penalty is equal to three months interest if the certificate's original maturity is one year or less, or equal to six months interest if the certificate's original maturity is more than one year.

*This account will be renewed automatically at maturity. You have a grace period of ten days after the maturity date to withdraw funds.


If you’re starting to save for your future, an IRA (Individual Retirement Account) is also available through River Falls State Bank. Our IRAs are available as Roth or Traditional. See one of our customer service representatives for more information.

*IRA Closing and Transfer fee is $25.00