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River Valley Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
sec.rivervalleycu.org
937-859-6260
505 Earl Blvd
Miamisburg, OH 45342

River Valley Credit Union is headquartered in Miamisburg and is the 21st largest credit union in the state of Ohio. It is also the 757th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 86 employees and 25,909 members at 7 locations. River Valley Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

River Valley Credit Union offers membership to those who live, work, worship or attend school in the Ohio counties of Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren. Membership is also open to family of current members, or those affiliated with an employer or association that sponsors River Valley Credit Union services
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #97109
Year Chartered1949
Employees86
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.79%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$488.6MM$465.9MM
LoansQ1 2025vs Q1 2024$374MM$361.8MM
DepositsQ1 2025vs Q1 2024$424MM$396.2MM
Equity CapitalQ1 2025vs Q1 2024$49.3MM$44.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.2MM$2.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.4MM$774K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River Valley Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.17%*$5$1kSweet Saving Youth Savings Account
OTHER TIERS: 0.02% → $1k+
4.47%$100-Cap & Gown College Savings Account (Age 0 - 8 )
3.95%$100-Cap & Gown College Savings Account (Age 9 - 14)
0.25%*$0$100kSmart Savings Account
OTHER TIERS: 0.10% → $100k+
0.10%*$500*-Health Savings Account with Checking Account
OTHER TIERS: 0.02% → $0 - $500
0.02%$0-Secondary Savings
0.02%$0-Vacation Club Savings Account
0.02%$0-Christmas Club Savings Account
0.02%$5-Primary Savings

River Valley Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%*$250k*-Money Market Checking
OTHER TIERS: 0.02% → $0 - $2.5k | 2.55% → $2.5k - $10k | 2.65% → $10k - $25k | 2.70% → $25k - $50k | 2.75% → $50k - $250k
2.80%*$250k*-Business Money Market 4BIZ
OTHER TIERS: 0.02% → $0 - $2.5k | 2.55% → $2.5k - $10k | 2.65% → $10k - $25k | 2.70% → $25k - $50k | 2.75% → $50k - $250k

River Valley Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$0$25kSaver Checking
OTHER TIERS: 0.10% → $25k+
0.75%*$0$25kSaver Plus Checking
OTHER TIERS: 0.10% → $25k+
0.20%*$100k*-Biz Dividend
OTHER TIERS: 0.02% → $1k - $25k | 0.10% → $25k - $100k
0.20%*$100k*-Vision Checking
OTHER TIERS: 0.02% → $1k - $25k | 0.10% → $25k - $100k

River Valley Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$100k-60 Month Jumbo CD
4.10%$100k-Business 60 Month Jumbo CD
4.05%$100k-48 Month Jumbo CD
4.05%$100k-Business 48 Month Jumbo CD
4.00%$1k-60 Month CD
4.00%$100k-36 Month Jumbo CD
4.00%$1k-Business 60 Month CD
4.00%$100k-Business 36 Month Jumbo CD
3.95%$1k-48 Month CD
3.95%$1k-Business 48 Month CD
3.95%$100k-24 Month Jumbo Bump Up CD Special
3.95%$100k-Business 24 Month Jumbo Bump Up CD Special
3.90%$1k-36 Month CD
3.90%$1k-Business 36 Month CD
3.85%$500-6 Month CD
3.85%$500-Business 6 Month CD
3.85%$1k-12 Month Bump Up CD Special
3.85%$1k-18 Month Bump Up CD Special
3.85%$1k-24 Month Bump Up CD Special
3.85%$1k-Business 12 Month Bump Up CD Special
3.85%$1k-Business 18 Month Bump Up CD Special
3.85%$1k-Business 24 Month Bump Up CD Special

River Valley Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-60 Month IRA
4.05%$1k-48 Month IRA
4.00%$1k-36 Month IRA
3.95%$500-6 Month IRA
3.95%$1k-12 Month Bump Up IRA Special
3.95%$1k-18 Month Bump Up IRA Special
3.95%$1k-24 Month Bump Up IRA Special
2.00%$0-IRA Savings Account
Locations


River Valley Credit Union Locations
Branch Office2094 S Alex RdWest Carrollton, OH 45449-2491
Branch Office3927 Indian Ripple RdDayton, OH 45440-3449
Branch Office25 W Central AveSpringboro, OH 45066-1132
Branch Office505 Earl BlvdMiamisburg, OH 45342
Branch Office2098 S Alex RdWest Carrollton, OH 45449
Branch Office6595 Brandt PikeHuber Heights, OH 45424
Branch Office1030 N Main StDayton, OH 45405-4212

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