orbit save


As part of your financial plan, you want an investment vehicle that offers a fixed rate for a specific time period so you will always know how much you are earning. You want the piece of mind that a certificate from Rock Valley Credit Union can give you.

Benefits of a certificate from Rock Valley:

  • Variety of terms
  • Low minimum deposit requirements
  • Higher rates than most financial institutions offer
  • Solid returns

Effective Date: July 16, 2019
Certificate TypeMinimum DepositTermsAPR
Share/IRA $2,500 12 months 1.00%
Share/IRA $10,000 12 months 1.25%
Share/IRA $25,000 12 months 2.00%
Share/IRA $2,500 24 months 1.25%
Share/IRA $10,000 24 months 1.50%
Share/IRA $25,000 24 months 2.25%
Share/IRA $2,500 36 months 1.50%
Share/IRA $10,000 36 months 1.75%
Share/IRA $25,000 36 months 2.50%

Lock in your guaranteed dividend rate with a low minimum deposit and terms from 12 months up to 3 years. Invest $2,500 or more for a fixed term and earn a greater dividend over a set time frame. Your dividends will compound monthly. 

To learn more about terms and rates available, contact us at (815) 282-0300.

Save to Win

What is Save to Win?

It’s a special savings account that gives you all the benefits of a savings account plus the chance to win big.

Each $25 deposit into this share certificate earns an entry into the monthly and quarterly drawings

Earn up to 10 entries per month ($250 deposited) however, the member can deposit/save as much as they like

Build Savings – Earn Dividends – Possibly Win Prizes


How do I open an account?

Request a 12-month Save to Win Share certificate and make an opening deposit of $25

Initial deposit is first step to saving and first entry into the monthly and quarterly drawings

Must be 18 years old

Legal resident of prize linked savings state (AR, AZ, CT, IL, IN, LA, MI, MN, NC, NE, NY OR, SC, VA)

Member at participating credit union


What’s the dividend rate?

0.50% APY


Can I withdraw money from my share certificate?


You are allowed one withdrawal from your Save to Win account in the 12-month period

A $25 withdrawal fee applies


How can I earn chances to win?

Every $25 deposited into your account (up to $250 monthly) earns entries in the monthly and quarterly drawings

You may make deposits of any amount into your account, but prize entries are limited to 10 per month


What are the prizes?

Best prizes is the savings account you will build with regular deposits each month

To make it sweeter, thousands of monthly prizes and several quarterly prizes up to $5,000 will be awarded through the year

The winner will be notified by phone or mail

All Save to Win account holders at participating credit unions will be eligible for prizes

Cash prizes will be deposited into the winner’s traditional share account


Rock Valley Credit Union will hold a member's only drawing monthly and quarterly. Entries are consistent with then national requirements. Four (4) winning entries will be randomly selected to receive a $25 cash prize each month. Two (2) winning entries will be randomly selected to receive a $250 cash prize each quarter.


How are my prize entries calculated?

Each month Save to Win looks at your current savings balance as compared to the previous month’s balance

You’ll receive one entry for every $25 increase

Ex. If your Save to Win balance increases by $50 you will receive two prize entries for the month

Those prize entries will also be added into the quarterly prize drawing


Why open a Save to Win account?

You have nothing to lose! And everything to win! Learn more at

Individual Retirement Account

With any IRA from Rock Valley you will get competitive rates as you save for your future. Open your IRA with any amount and make regular contributions through Direct Deposit, by mail or in person.

Choose the IRA that is right for you:

  • Traditional IRA – with this IRA you may qualify for a tax-deductible contribution (which could provide a tax payment reduction. Consult with your tax provider.)
  • Roth IRA – contributions are made with after-tax dollars. At retirement, both your contributions and the earnings may generally be taken out as tax-free withdrawals.

We know that choosing the IRA that fits your needs is an important decision. Let us help you select an IRA that’s right for you, your family and your life. If you have questions or are ready to invest call our Member Contact Center Representatives or visit a local branch.

Retirement Savings and Planning

  • Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.


Routing #: 271988388|NMLS # 597779
Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act