Featured Savings Rates
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RiverTrace Federal Credit Union

Popular Accounts at this Credit Union

1.50%Reward CheckingPathways Checking Account
1.05%1-year CD12 Month Share Certificate
0.15%SavingsRegular Share Account

Overview / Commentary
6011 Staples Mill Rd
Richmond, VA 23228

RiverTrace Federal Credit Union is headquartered in Richmond and is the 77th largest credit union in the state of Virginia. It is also the 3,172nd largest credit union in the nation. It was established in 1956 and as of September of 2016, it had grown to 8 employees and 2,924 members at 2 locations. RiverTrace Federal Credit Union's CD rates are 17% higher than the national average, and it has a B 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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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 - YTD-0.58%
Return on Equity - YTD-5.75%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$24.9MM$24.3MM
LoansQ3 2016vs Q3 2015$18.2MM$16.8MM
DepositsQ3 2016vs Q3 2015$22.4MM$21.7MM
Equity CapitalQ3 2016vs Q3 2015$2.5MM$2.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$265.00K$147.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$140.00K$283.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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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

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

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

1.50%-$15kPathways Checking Account

RiverTrace Federal Credit Union CD Rates

1.60%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.50% $1k - $25k | 1.55% $25k - $50k
1.50%*$50k*-36 Month Share Certificate
OTHER TIERS: 1.40% $1k - $25k | 1.45% $25k - $50k
1.35%*$50k*-24 Month Share Certificate
OTHER TIERS: 1.15% $1k - $25k | 1.25% $25k - $50k
1.10%*$50k*-18 Month Share Certificate
OTHER TIERS: 1.00% $1k - $25k | 1.05% $25k - $50k
1.05%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.95% $1k - $25k | 1.00% $25k - $50k
0.75%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.55% $1k - $25k | 0.65% $25k - $50k

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