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2 Rivers Area Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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
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
2riversacu.com
815-935-2270
296 W Jeffery St
Kankakee, IL 60901

2 Rivers Area Credit Union is headquartered in Kankakee and is the 98th largest credit union in the state of Illinois. It is also the 3,084th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 6 employees and 4,008 members at 1 location. 2 Rivers Area Credit Union's CD rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in 2 Rivers Area Credit Union is open to those who live or work in the Illinois counties of Iroquois, Kankakee, or Will. Employees and retirees of Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center also qualify for membership. Immediate family and household members of anyone eligible to join are welcome to apply.
See current membership details

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Health
C+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 2 Rivers Area Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #62827
Year Chartered1951
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.44%
Annual Interest Income$274K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$24.1MM$25.1MM
LoansQ1 2025vs Q1 2024$14.6MM$15.1MM
DepositsQ1 2025vs Q1 2024$20.9MM$21.7MM
Equity CapitalQ1 2025vs Q1 2024$2.9MM$2.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$177K$236K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$261K$245K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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
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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2 Rivers Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Savings Account
0.25%$0-Christmas Club
0.25%$0-Vacation Club

2 Rivers Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-1 Year CD

2 Rivers Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Savings
Locations


2 Rivers Area Credit Union Locations
Branch Office296 W Jeffery StKankakee, IL 60901

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