4.50% APY*. Through July 7.
Our highest CD rate of the year. 9- and 12-month terms. Marking America's 250th.
Celebrating 250 years of America.
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Lock in Before It's Gone
No teaser tricks. No fine print. 4.50% APY* on day one and at maturity.
Your Money Stays Local
You're funding local coffee shops, family businesses, and the new ventures that keep the New Jersey community thriving.
9 or 12 months. Same rate.
Pick the term that fits. Both earn 4.50% APY*. Extend at maturity, or cash out.
4.50% APY*. Through July 7.
$10,000 earns about $450 over 12 months. $50,000 earns about $2,250. Lock it in now, or share with a friend who wants to put their cash to work.
*Annual Percentage Yield (APY) listed assumes that principal and interest remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current APY for that term. Minimum deposit to open certificate and obtain stated APY is $500. A penalty will be assessed for early withdrawal and could reduce earnings on this account. Offer valid through July 4, 2026, and may be withdrawn or changed at any time without notice.
The Five Rivers Advantage
Rapid Response
Local lending authority means faster decisions.
Direct Access
Work with experienced banking leaders who understand your needs.
Fair & Flexible
Transparent fees, no rigid rules — real partnership that works with you.
Proactive Solutions
We work with your accountant and partners to solve financial hurdles.
Smarter Banking
Advanced financial management makes banking simple and efficient.
Frequently Asked Questions
We start with curiosity by asking questions, listening, and learning about the details that make your business unique. From there, we pair that knowledge with our banking expertise and provide meaningful solutions. Our promise is simple: the better we understand your industry, the better we can walk beside you with guidance and solutions that support your growth.
You can expect a true partnership. You bring your financial goals and questions; we bring expertise, tools, and guidance. By staying open and proactive together, we build a relationship rooted in trust and accessibility.
Protecting your hard-earned money is our top priority. If your balances grow beyond FDIC coverage, our team will work with you to ensure your funds remain protected and structured wisely.
At Five Rivers Bank, we don’t just manage money, we build relationships. You’ll experience direct access to decision-makers, and a team that sees your success as our success. We are locally owned and managed and because we believe in supporting the communities we serve. That’s the difference: we’re banking on you, and if you're successful, we're successful.
Our goal is to provide you with a full range of services to help you manage your personal and business finances conveniently and securely.
For Individuals:
- Personal Checking – Simple, flexible accounts for everyday banking.
- Personal Savings – Secure savings with competitive rates to help your goals grow.
- Money Market Accounts – Tiered interest savings with easy access when you need it.
- Certificates of Deposit (CDs) – Fixed-rate options for steady, dependable growth.
For Businesses:
- Business Checking – Accounts tailored for businesses of all sizes.
- Business Savings – Safe, interest-earning options for managing reserves.
- Specialized Accounts – Solutions for nonprofits, professional firms, and industry-specific needs.
Every goal has its own story and we believe financing should fit the chapter you’re in. That’s why we offer a wide range of personal and business financing solutions, from flexible loans to growth-focused options. We take the time to understand your goals, then build a financing plan that helps you move from vision to reality.
Get the Rate
Lock in before it's gone.