Featured Savings Rates
Featured Accounts

East River Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%5-year CD60 Month Health Savings Share Certificate
0.50%1-year CD12 Month Health Savings Share Certificate
0.05%SavingsSpecial Savings Account

Overview / Commentary
605-256-8145
220 S Harth Ave
Madison, SD 57042-2916

East River Federal Credit Union is headquartered in Madison and is the 16th largest credit union in the state of South Dakota. It is also the 2,826th largest credit union in the nation. It was established in 1956 and as of September of 2016, it had grown to 10 employees and 3,262 members at 1 location. East River Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, or worship in, and businesses and legal entities located in, Miner County and Lake County in South Dakota.
See current membership details

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Health
B+
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. East River Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #11353
Year Chartered1956
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.13%
Annual Interest Income$825.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$32.2MM$30.6MM
LoansQ3 2016vs Q3 2015$20.8MM$21.3MM
DepositsQ3 2016vs Q3 2015$29.5MM$27.5MM
Equity CapitalQ3 2016vs Q3 2015$3.0MM$2.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$90.00K$79.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$71.00K$50.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

East River Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$90k*-IRA Savings Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $90k
0.25%*$90k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $90k
0.25%*$90k*-Roth IRA Savings Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $90k
0.25%*$90k*-Coverdell Education Savings Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $90k
0.05%$15-Trust Account
0.05%$15-Membership Savings Account
0.05%$15-CU 4 Kids Account
0.05%$15-CU Succeed Teen Account
0.05%--Special Savings Account
0.05%--Holiday Club Account

East River Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$90k*-Money Market Account
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $90k

East River Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Interest-Bearing Checking Account

East River Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-60 Month Share Certificate
OTHER TIERS: 0.80% $250 - $50k | 0.90% $50k - $100k
1.00%*$100k*-60 Month Health Savings Share Certificate
OTHER TIERS: 0.80% $250 - $50k | 0.90% $50k - $100k
0.90%*$100k*-48 Month Share Certificate
OTHER TIERS: 0.70% $250 - $50k | 0.80% $50k - $100k
0.90%*$100k*-48 Month Health Savings Share Certificate
OTHER TIERS: 0.70% $250 - $50k | 0.80% $50k - $100k
0.80%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.60% $250 - $50k | 0.70% $50k - $100k
0.80%*$100k*-36 Month Health Savings Share Certificate
OTHER TIERS: 0.60% $250 - $50k | 0.70% $50k - $100k
0.70%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.50% $250 - $50k | 0.60% $50k - $100k
0.70%*$100k*-24 Month Health Savings Share Certificate
OTHER TIERS: 0.50% $250 - $50k | 0.60% $50k - $100k
0.60%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.40% $250 - $50k | 0.50% $50k - $100k
0.60%*$100k*-18 Month Health Savings Share Certificate
OTHER TIERS: 0.40% $250 - $50k | 0.50% $50k - $100k
0.50%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.30% $250 - $50k | 0.40% $50k - $100k
0.50%*$100k*-12 Month Health Savings Share Certificate
OTHER TIERS: 0.30% $250 - $50k | 0.40% $50k - $100k
0.35%$50-48 Month Youth Share Certificate
0.35%$50-60 Month Youth Share Certificate
0.35%*$50k*-9 Month Share Certificate
OTHER TIERS: 0.25% $250 - $50k
0.35%*$50k*-9 Month Health Savings Share Certificate
OTHER TIERS: 0.25% $250 - $50k
0.30%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.20% $250 - $50k
0.30%*$50k*-6 Month Health Savings Share Certificate
OTHER TIERS: 0.20% $250 - $50k
0.25%$50-24 Month Youth Share Certificate
0.25%$50-36 Month Youth Share Certificate
0.20%*$50k*-3 Month Share Certificate
OTHER TIERS: 0.10% $250 - $50k
0.20%*$50k*-3 Month Health Savings Share Certificate
OTHER TIERS: 0.10% $250 - $50k
0.15%$50-6 Month Youth Share Certificate
0.15%$50-12 Month Youth Share Certificate

East River Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-60 Month IRA Share Certificate
OTHER TIERS: 0.80% $250 - $50k | 0.90% $50k - $100k
0.90%*$100k*-48 Month IRA Share Certificate
OTHER TIERS: 0.70% $250 - $50k | 0.80% $50k - $100k
0.80%*$100k*-36 Month IRA Share Certificate
OTHER TIERS: 0.60% $250 - $50k | 0.70% $50k - $100k
0.70%*$100k*-24 Month IRA Share Certificate
OTHER TIERS: 0.50% $250 - $50k | 0.60% $50k - $100k
0.60%*$100k*-18 Month IRA Share Certificate
OTHER TIERS: 0.40% $250 - $50k | 0.50% $50k - $100k
0.50%*$100k*-12 Month IRA Share Certificate
OTHER TIERS: 0.30% $250 - $50k | 0.40% $50k - $100k
0.35%*$50k*-9 Month IRA Share Certificate
OTHER TIERS: 0.25% $250 - $50k
0.30%*$50k*-6 Month IRA Share Certificate
OTHER TIERS: 0.20% $250 - $50k
0.20%*$50k*-3 Month IRA Share Certificate
OTHER TIERS: 0.10% $250 - $50k
Locations


East River Federal Credit Union Locations
Branch Office220 S Harth AveMadison, SD 57042-2916