Rio Grande Valley Credit Union

Overview / Commentary

www.rgvcu.coop

956-423-5792

1221 Morgan Blvd
Harlingen, TX 78550

Rio Grande Valley Credit Union is headquartered in Harlingen and is the 116^th largest credit union in the state of Texas. It is also the 1,468^th largest credit union in the nation. It was established in 1954 and as of December of 2021, it had grown to 40 employees and 17,041 members at 5 locations. Rio Grande Valley Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Willacy County.
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Health

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	61734
Year Chartered	1954
Employees	40
Primary Regulator

Profit Margin
Return on Assets - YTD	0.32%
Return on Equity - YTD	4.3%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$152.3MM$132.6MM
Loans	Q4 2021vs Q4 2020	$69.0MM$55.8MM
Deposits	Q4 2021vs Q4 2020	$138.8MM$121.1MM
Equity Capital	Q4 2021vs Q4 2020	$11.1MM$10.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$160.00K$85.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$65.00K$30.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
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.

Rio Grande Valley Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$10k^*	-	Savings Account
OTHER TIERS: 0.01% → $100 - $5k \| 0.02% → $5k - $10k
0.05%^*	$10k^*	-	Club Account
OTHER TIERS: 0.01% → $100 - $5k \| 0.02% → $5k - $10k

Rio Grande Valley Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%^*	$10k^*	-	Interest Bearing Checking
OTHER TIERS: 0.01% → $100 - $5k \| 0.02% → $5k - $10k

Rio Grande Valley Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$1k	-	3 Year CD
0.25%	$1k	-	2 Year CD
0.20%	$1k	-	1 Year CD
0.15%	$1k	-	180 Day CD

Rio Grande Valley Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$10	-	3 Year IRA
0.25%	$10	-	2 Year IRA
0.20%	$10	-	1 Year IRA

Locations

Rio Grande Valley Credit Union Locations
Branch Office	345 N Williams Rd	San Benito, TX 78586-4117
Branch Office	4321 W Expressway 83	Harlingen, TX 78552-3534
Branch Office	7449 S Expressway 77	Lyford, TX 78569
Corporate Office	1221 Morgan Blvd	Harlingen, TX 78550-5154
Branch Office	117 W Colorado Ave	Rio Hondo, TX 78583

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