Red River Credit Union


Overview / Commentary
903-735-3000
4405 Summerhill Rd
Texarkana, TX 75503

Red River Credit Union is headquartered in Texarkana and is the 25th largest credit union in the state of Texas. It is also the 331st largest credit union in the nation. It was established in 1943 and as of December of 2023, it had grown to 353 employees and 118,485 members at 29 locations. Red River Credit Union's money market rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

Red River Credit Union is open to those who live, work, worship, or attend school in any of 72 Arkansas, 4 Mississippi, 20 Oklahoma, and 43 Texas counties, and 31 Louisiana parishes. Civilian and military personnel of the Department of Defense who work at Red River Army Depot or the Lone Star Ammunition Plant, in Bowie County, Texas, or contractors and employees of contractors who regularly work at Red River Army Depot are also eligible to join. Member of the American Consumer Council or Cornerstone Credit Union Foundation also eligible. Immediate family of a current Red River Credit Union member also qualify for membership. Arkansas counties – Arkansas, Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clark, Clay, Cleburne, Cleveland, Columbia, Conway, Crawford, Crittenden, Cross, Dallas, Desha, Drew, Faulkner, Franklin, Fulton, Garland, Grant, Hempstead, Hot Spring, Howard, Independence, Izard, Jackson, Jefferson, Johnson, Lafayette, Lawrence, Lee, Lincoln, Little River, Logan, Lonoke, Madison, Marion, Miller, Monroe, Montgomery, Nevada, Newton, Ouachita, Perry, Phillips, Pike, Poinsett, Polk, Pope, Prairie, Pulaski, Randolph, Saline, Scott, Searcy, Sebastian, Sevier, Sharp, St. Francis, Stone, Union, Van Buren, Washington, White, Woodruff, and Yell. Louisiana parishes – Avoyelles, Beauregard, Bienville, Bossier, Caddo, Caldwell, Catahoula, Claiborne, Concordia, De Soto, East Carroll, Evangeline, Franklin, Grant, Jackson, La Salle, Lincoln, Madison, Morehouse, Natchitoches, Ouachita, Rapides, Red River, Richland, Sabine, Tensas, Union, Vernon, Webster, West Carroll, and Winn. Mississippi counties – Coahoma, Panola, Quitman, and Tallahatchie. Oklahoma counties – Adar, Atoka, Bryan, Carter, Choctaw, Coal, Garvin, Haskell, Hughes, Johnston, Latimer, Le Flore, McCurtain, McIntosh, Murray, Muskogee, Pittsburg, Pontotoc, Pushmataha, and Sequoyah. Texas counties – Anderson, Angelina, Bowie, Camp, Cass, Cherokee, Dallas, Delta, Fannin, Franklin, Grayson, Gregg, Hardin, Harrison, Henderson, Hopkins, Houston, Hunt, Jasper, Kaufman, Lamar, Liberty, Marion, Morris, Nacogdoches, Navarro, Newton, Panola, Polk, Red River, Rockwall, Rusk, Sabine, San Augustine, San Jacinto, Shelby, Smith, Tarrant, Titus, Trinity, Tyler, Upshur, and Wood.
See current membership details

Reviews (1)

I Love This CU

Posted by: |

I've been with RRCU for 9 years and it's not my grandad's credit union. They have everything the big banks have but constantly better rates and incentives.



Health

Health Grade Components

Overall
NCUA #5029
Year Chartered1943
Employees353
Primary Regulator
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD10.3%
Annual Interest Income$66.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.4B$1.32B
LoansQ4 2023vs Q4 2022$1.04B$998.9MM
DepositsQ4 2023vs Q4 2022$1.19B$1.13B
Equity CapitalQ4 2023vs Q4 2022$183MM$160.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$12.6MM$11.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$9.3MM$7.7MM
Real Estate OwnedQ4 2023vs Q4 2022$74K$77K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Red River 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.

Red River Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%--IRA Savings Account
0.10%$5-Regular Savings Account
0.10%$5-HSA Savings
0.10%$5-Commercial Savings Account
0.10%--Christmas Club Account
0.10%--Tax Savings Account
0.05%--HSA Checking

Red River Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$500k*-Commercial Money Market Account
OTHER TIERS: 4.00% $2.5k - $100k | 4.15% $100k - $250k | 4.30% $250k - $500k
3.75%*$250k*-Money Market Account
OTHER TIERS: 3.25% $2.5k - $100k | 3.50% $100k - $250k

Red River Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Business Checking
0.05%--MembersChoice Premier Checking
0.05%--Organizational Checking
0.05%--Non-Profit Checking
0.05%--Sole Proprietorship Checking
0.05%--Varsity Club Checking

Red River Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.30%$500-6 Month CD (Monthly)
5.30%$500-6 Month Teal CD (Monthly)
5.29%$500-6 Month CD (Quarterly)
5.05%$500-12 Month CD (Monthly)
5.03%$500-12 Month CD (Quarterly)
4.07%$500-24 Month CD (Monthly)
4.07%$500-18 Month CD (Monthly)
4.06%$500-24 Month CD (Quarterly)
3.82%$500-48 Month CD (Monthly)
3.82%$500-36 Month CD (Monthly)
3.82%$500-60 Month CD (Monthly)
3.80%$500-36 Month CD (Quarterly)
3.80%$500-60 Month CD (Quarterly)
3.80%$500-48 Month CD (Quarterly)

Red River Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.05%$500-12 Month IRA (Monthly)
5.03%$500-12 Month IRA (Quarterly)
4.07%$500-24 Month IRA (Monthly)
4.07%$500-18 Month IRA (Monthly)
4.06%$500-24 Month IRA (Quarterly)
3.82%$500-36 Month IRA (Monthly)
3.82%$500-48 Month IRA (Monthly)
3.82%$500-60 Month IRA (Monthly)
3.80%$500-36 Month IRA (Quarterly)
3.80%$500-48 Month IRA (Quarterly)
3.80%$500-60 Month IRA (Quarterly)
Locations

Availability



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