Overview / Commentary
6011 Staples Mill Rd
Richmond, VA 23228

RiverTrace Federal Credit Union is headquartered in Richmond and is the 80th largest credit union in the state of Virginia. It is also the 3,369th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 6 employees and 2,915 members at 1 location. RiverTrace Federal Credit Union's CD rates are 78% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership to RiverTrace Federal Credit Union is open to those who live, work, attend school or worship in the City of Richmond, or Hanover, Chesterfield, or Henrico Counties.
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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. RiverTrace Federal Credit Union has a low asset base.

Health Grade Components

NCUA #11150
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.89%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$19.6MM$23.5MM
LoansQ4 2018vs Q4 2017$15.4MM$17.9MM
DepositsQ4 2018vs Q4 2017$17.8MM$21.8MM
Equity CapitalQ4 2018vs Q4 2017$1.7MM$1.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$318.00K$516.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$191.00K$169.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not RiverTrace Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

RiverTrace Federal Credit Union Savings Account Rates

0.15%$5-Regular Share Account
0.15%$10-Christmas Club Account
0.15%$10-Vacation Club Account
0.15%$10-Tax Savings Account

RiverTrace Federal Credit Union Money Market Rates

0.45%*$50k*-Money Market Account
OTHER TIERS: 0.15% $5 - $2.5k | 0.25% $2.5k - $25k | 0.35% $25k - $50k

RiverTrace Federal Credit Union Checking Account Rates

1.50%-$15kPathways Checking Account

RiverTrace Federal Credit Union CD Rates

2.20%*$50k*-48 Month Share Certificate
OTHER TIERS: 2.10% $1k - $25k | 2.15% $25k - $50k
2.10%*$50k*-36 Month Share Certificate
OTHER TIERS: 2.00% $1k - $25k | 2.05% $25k - $50k
1.90%*$50k*-24 Month Share Certificate
OTHER TIERS: 1.80% $1k - $25k | 1.85% $25k - $50k
1.75%*$50k*-18 Month Share Certificate
OTHER TIERS: 1.65% $1k - $25k | 1.69% $25k - $50k
1.60%*$50k*-12 Month Share Certificate
OTHER TIERS: 1.50% $1k - $25k | 1.55% $25k - $50k
1.10%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.90% $1k - $25k | 1.00% $25k - $50k

RiverTrace Federal Credit Union Locations
Branch Office6011 Staples Mill RdRichmond, VA 23228

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