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Featured Accounts

RiverTrace Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%Reward CheckingPathways Checking Account
1.25%1-year CD12 Month Share Certificate
0.15%SavingsRegular Share Account

Overview / Commentary
804-266-2767
6011 Staples Mill Rd
Richmond, VA 23228

RiverTrace Federal Credit Union is headquartered in Richmond and is the 78th largest credit union in the state of Virginia. It is also the 3,196th largest credit union in the nation. It was established in 1956 and as of December of 2017, it had grown to 7 employees and 2,982 members at 2 locations. RiverTrace Federal Credit Union's CD rates are 39% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the City of Richmond, or Hanover, Chesterfield, or Henrico Counties.
See current membership details

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Health
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #11150
Year Chartered1956
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD-2.09%
Return on Equity - YTD-29.57%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$23.5MM$24.2MM
LoansQ4 2017vs Q4 2016$17.9MM$18.4MM
DepositsQ4 2017vs Q4 2016$21.8MM$21.9MM
Equity CapitalQ4 2017vs Q4 2016$1.7MM$2.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$516.00K$417.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$169.00K$111.00K
Real Estate OwnedQ4 2017vs Q4 2016$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.

RiverTrace Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Regular Share Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account
0.15%--Tax Savings Account

RiverTrace Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$50k*-Money Market Account
OTHER TIERS: 0.15% Up to $2,500 | 0.25% $2,500 - $25k | 0.35% $25k - $50k

RiverTrace Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%-$15kPathways Checking Account

RiverTrace Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.60% $1k - $25k | 1.65% $25k - $50k
1.65%*$50k*-36 Month Share Certificate
OTHER TIERS: 1.55% $1k - $25k | 1.60% $25k - $50k
1.50%*$50k*-24 Month Share Certificate
OTHER TIERS: 1.40% $1k - $25k | 1.45% $25k - $50k
1.30%*$50k*-18 Month Share Certificate
OTHER TIERS: 1.20% $1k - $25k | 1.25% $25k - $50k
1.25%*$50k*-12 Month Share Certificate
OTHER TIERS: 1.15% $1k - $25k | 1.20% $25k - $50k
1.00%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.80% $1k - $25k | 0.90% $25k - $50k
Locations


RiverTrace Federal Credit Union Locations
Branch Office3141 Fairview Park DrFalls Church, VA 22042-4531
Branch Office6011 Staples Mill RdRichmond, VA 23228

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