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505 Earl Blvd
Miamisburg, OH 45342

River Valley Credit Union is headquartered in Miamisburg and is the 23rd largest credit union in the state of Ohio. It is also the 849th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 66 employees and 20,984 members. River Valley Credit Union's savings rates are 3X the national average, and it has a A health rating.

Field of Membership Restrictions

We invite you to join River Valley Credit Union and start enjoying all of the benefits that come with membership! You are eligible to join if you live, work, attend school, or worship in one of these Ohio counties: Montgomery, Greene, Butler, Warren, Miami or Clark. You may also be eligible if one of your family members already belongs to River Valley or if you are affiliated with an employer or association that sponsors River Valley Credit Union services. - See Details

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Reviews (2)

Worst Customer Service On The Planet

This financial institution (and I use that term loosely) is the pits, and I feel I've earned the right to say this as I was a member there for 33 years. Unforturnately, over the course of the last 5-7 years, I witnessed the decline; not only in customer service, but the credit union is steadfast with regard to becoming a BANK. Fees are charged for absolutely everything. Members who need new ATM cards due to wear after 15+ years are charged a nice sum, which seems absolutely ridiculous when they won't work anymore. The branch manager does not understand regulatory compliance, and what finally put me over the edge was when I was told I needed an EIN and minutes from our meetings for a CLASS REUNION account which we could filter payments through in order to pay for our party. A class reunion group doesn't qualify as a non-profit, and isn't registered for federal/state/local income tax purposes. Our conversation was laughable, because I'm an accountant...and the manager wasn't quite sure what to say after I informed her of the facts. The only thing that was easy was pulling my money from the credit union, going down the street to 5/3 Bank, receiving $150 for opening a new account with direct deposit, and having the class reunion account opened with not a single issue. River Valley makes things in general VERY difficult for its members. One would think online banking should now be the easiest of all functionality, but if you use Internet Explorer as your web browser, you are unable to log in to view your accounts and activity. After calling the credit union to report the issue, you are told, "yeahhhhh, uhh you can't use that. I think you have to use something else," (I figured out on my own that means a new web browser). All jokes aside, you MUST download Mozilla or another browser to utilize the River Valley online banking software as of April 2013.

Bottom line, I feel members in a credit union should be treated even better than at a regular bank, however the treatment I've received (as well as my family members who have banked there) has been horrid...and is getting worse. I have nearly perfect credit, a fantastic job, and was offered TERRIBLE rates for all types of loans there. I do my homework, especially when it comes to my financial security, and to this day cannot believe other financial institutions offered me better mortgage and auto loans than did my own credit union. Just a terrible place to keep your money, so save yourself a few headaches and check in to other places. It will be worth your while, guaranteed. Thanks for reading and good luck!



I Enjoyed Banking With This Local Credit Union

I enjoyed banking with this local credit union.  I have had their rewards checking program and earn 4.5% since September.  I have no trouble using a debit card 12 times each month. 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 River Valley Credit Union had $713,000 in non-current loans and owned real-estate with $22.83 million in equity and loan loss allowances on hand to cover it. This gives River Valley Credit Union a Texas Ratio of 3.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for River Valley Credit Union decreased dramatically from 7.19% as of March 31, 2013 to 3.12% as of March 31, 2014, resulting in a positive change of 56.56%.This indicates that the balance sheet and financial strength for River Valley Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, River Valley Credit Union has increased its total deposits by $2.86 million, resulting in 1.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth River Valley Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. River Valley Credit Union has $229.9 million in assets with $22.83 million in equity, resulting in a capitalization level of 9.93%, which is above average.

Institution Statistics

NCUA #68475
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$229.90 million
Loans$173.29 million
Deposits$203.22 million
Equity Capital$21.21 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$605,000
Real Estate Owned$108,000
Historic Data - March 2013
Assets$225.41 million
Equity Capital$19.82 million
Loan Loss Allowance$1.68 million
Unbacked Noncurrent Loans$605,000
Real Estate Owned$23,000
Profit Margin - Quarterly
Net Interest Margin0.91%
Return on Assets0.55%
Return on Equity5.92%
Interest Income$1.90 million

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River Valley Credit Union Savings Account Rates

1.40%$100-Cap & Gown College Savings Account
0.10%$500-Health Savings Account with Checking Account
0.05%--Basic Savings Account
0.05%--Vacation Club Savings Account
0.05%--Pet Savings Accounts
0.05%--Youth Savings Account
0.05%--IRA Savings Account
0.05%--Christmas Club Savings Account

River Valley Credit Union Money Market Rates

0.05%$1k-Money Market Account

River Valley Credit Union Checking Account Rates

1.50%-$10kHigh Interest Checking - Qualifying
0.35%$50k-Cash Management Checking Account
0.05%--High Interest Checking - Non Qualifying
0.05%$25k-Prestige Checking Accounrt

River Valley Credit Union CD Rates

1.80%$1k-60 Months CD
1.40%$1k-48 Months CD
1.00%$1k-36 Months CD
0.70%$1k-24 Months CD
0.50%$1k-18 Months CD
0.40%$1k-12 Months CD
0.25%$500-6 Months CD

River Valley Credit Union IRA Rates

1.80%$1k-60 Months IRA
1.40%$1k-48 Months IRA
1.00%$1k-36 Months IRA
0.70%$1k-24 Months IRA
0.50%$1k-18 Months IRA
0.40%$1k-12 Months IRA
0.25%$500-6 Months IRA

River Valley Credit Union Locations
Branch Office2094 S Alex RdWest Carrollton, OH 45449-2491
Branch Office3927 Indian Ripple RdBeavercreek, OH 45440-3449
Branch Office815 Elliott DrMiddletown, OH 45044-6211
Branch Office25 W Central AveSpringboro, OH 45066-1132
Branch Office505 Earl BlvdMiamisburg, OH 45342