Mountain River Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.21%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.40%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD
0.20%	Savings	2.20% - Barclays Online Savings Account

View all Mountain River Credit Union rates »

Overview / Commentary

www.mountainrivercu.org

719-539-2968

205 E 3rd St
Salida, CO 81201

Mountain River Credit Union is headquartered in Salida and is the 55^th largest credit union in the state of Colorado. It is also the 3,031^st largest credit union in the nation. It was established in 1960 and as of December of 2018, it had grown to 9 employees and 3,371 members at 3 locations. Mountain River Credit Union has a B health rating.

Field of Membership Restrictions

Membership to Mountain River Credit Union is open to those who live or work in Alamosa, Chaffee, Rio Grande, Lake or western Fremont Counties in Colorado.
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Reviews (1)

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Featured Account Options

Why I chose a Credit Union

Posted by: fawnleach | Mar 9, 2018

The main reason I choose to bank at a credit union is the community involvement. My credit union is a local entity concerned with local citizens. If I have an issue, I speak directly to an individual and things get resolved. I live in a small town and I like that I have brick and mortar option. The larger banks do not exist in my town. My credit union also belongs to a Coop so I can get help almost anywhere. All I need to do is find an affiliate and its just as good as my local institution. The only requirement needed to establish is $25 in a savings account. I think that's cool because it invokes financial responsibility. I have all the benefits of a larger institution but I am not just a number. I have a debit card, online banking, and receive my statements via email. I like that because it is environmentally responsible. I will never bank with a bank. Credit Unions all the way!

Comment

Health

Data as of Q4 2018

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. Mountain River Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	63704
Year Chartered	1960
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	6.19%
Annual Interest Income	$885.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$26.5MM$25.5MM
Loans	Q4 2018vs Q4 2017	$13.2MM$11.0MM
Deposits	Q4 2018vs Q4 2017	$24.4MM$23.5MM
Equity Capital	Q4 2018vs Q4 2017	$2.1MM$1.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$84.00K$78.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$193.00K$214.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain River Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$100	-	Christmas Club Account
0.20%^*	$100k^*	-	Membership Savings Accounts
OTHER TIERS: 0.05% → $100 - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	Special Savings Accounts
OTHER TIERS: 0.05% → $100 - $50k \| 0.10% → $50k - $100k

Mountain River Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2k - $50k \| 0.20% → $50k - $100k
0.30%	$2k	-	IRA Money Market

Mountain River Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	Checking With Interest

Mountain River Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%^*	$25k^*	-	5 Year CD
OTHER TIERS: 1.00% → $500 - $10k \| 1.11% → $10k - $25k
1.01%^*	$25k^*	-	4 Year CD
OTHER TIERS: 0.80% → $500 - $10k \| 0.90% → $10k - $25k
0.80%^*	$25k^*	-	3 Year CD
OTHER TIERS: 0.60% → $500 - $10k \| 0.70% → $10k - $25k
0.60%^*	$25k^*	-	2 Year CD
OTHER TIERS: 0.40% → $500 - $10k \| 0.50% → $10k - $25k
0.40%^*	$25k^*	-	1 Year CD
OTHER TIERS: 0.30% → $500 - $10k \| 0.35% → $10k - $25k
0.35%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $25k

Mountain River Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$500	-	5 Year IRA
1.01%	$500	-	4 Year IRA
0.80%	$500	-	3 Year IRA
0.60%	$500	-	2 Year IRA
0.40%	$500	-	1 Year IRA
0.35%	$500	-	6 Month IRA

Locations

Mountain River Credit Union Locations
Branch Office	2437 Main St	Alamosa, CO 81101
Branch Office	205 E 3rd St	Salida, CO 81201
Branch Office	28350 County Road 317 Unit 10	Buena Vista, CO 81211-9261

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