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River Valley Credit Union

Popular Accounts at this Credit Union

1.50%Reward CheckingKasasa Cash
2.20%5-year CD60 Months CD
1.15%1-year CD12 Months CD

Overview / Commentary
505 Earl Blvd
Miamisburg, OH 45342

River Valley Credit Union is headquartered in Miamisburg and is the 19th largest credit union in the state of Ohio. It is also the 710th largest credit union in the nation. It was established in 1949 and as of December of 2016, it had grown to 85 employees and 26,851 members at 9 locations. River Valley Credit Union's CD rates are 28% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Montgomery, Greene, Butler, Warren, Miami, Clark or Preble counties in Ohio. Membership is also open to family of current members or those affiliated with an employer or association that sponsors River Valley Credit Union services
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Reviews (2)

I Enjoyed Banking With This Local Credit Union

Posted by: Anonymous | Jan 18, 2010

I enjoyed banking with this local credit union.  I have had their rewards checking program and earn 4.5% since September.  I have no trouble using a debit card 12 times each month. 

Worst Customer Service On The Planet

This financial institution (and I use that term loosely) is the pits, and I feel I've earned the right to say this as I was a member there for 33 years. Unforturnately, over the course of the last 5-7 years, I witnessed the decline; not only in customer service, but the credit union is steadfast with regard to becoming a BANK. Fees are charged for absolutely everything. Members who need new ATM cards due to wear after 15+ years are charged a nice sum, which seems absolutely ridiculous when they won't work anymore. The branch manager does not understand regulatory compliance, and what finally put me over the edge was when I was told I needed an EIN and minutes from our meetings for a CLASS REUNION account which we could filter payments through in order to pay for our party. A class reunion group doesn't qualify as a non-profit, and isn't registered for federal/state/local income tax purposes. Our conversation was laughable, because I'm an accountant...and the manager wasn't quite sure what to say after I informed her of the facts. The only thing that was easy was pulling my money from the credit union, going down the street to 5/3 Bank, receiving $150 for opening a new account with direct deposit, and having the class reunion account opened with not a single issue. River Valley makes things in general VERY difficult for its members. One would think online banking should now be the easiest of all functionality, but if you use Internet Explorer as your web browser, you are unable to log in to view your accounts and activity. After calling the credit union to report the issue, you are told, "yeahhhhh, uhh you can't use that. I think you have to use something else," (I figured out on my own that means a new web browser). All jokes aside, you MUST download Mozilla or another browser to utilize the River Valley online banking software as of April 2013.

Bottom line, I feel members in a credit union should be treated even better than at a regular bank, however the treatment I've received (as well as my family members who have banked there) has been horrid...and is getting worse. I have nearly perfect credit, a fantastic job, and was offered TERRIBLE rates for all types of loans there. I do my homework, especially when it comes to my financial security, and to this day cannot believe other financial institutions offered me better mortgage and auto loans than did my own credit union. Just a terrible place to keep your money, so save yourself a few headaches and check in to other places. It will be worth your while, guaranteed. Thanks for reading and good luck!




Health Grade Components

NCUA #68475
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.19%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$328.1MM$317.4MM
LoansQ4 2016vs Q4 2015$276.0MM$246.9MM
DepositsQ4 2016vs Q4 2015$291.9MM$283.3MM
Equity CapitalQ4 2016vs Q4 2015$31.5MM$30.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.6MM$1.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.0MM$1.6MM
Real Estate OwnedQ4 2016vs Q4 2015$0$125.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River Valley Credit Union Savings Account Rates

1.50%$100-Cap & Gown College Savings Account
0.10%*$500*-Health Savings Account with Checking Account
OTHER TIERS: 0.05% Up to $500
0.05%--Basic Savings Account
0.05%--Vacation Club Savings Account
0.05%--Pet Savings Accounts
0.05%--Youth Savings Account
0.05%--IRA Savings Account
0.05%--Christmas Club Savings Account

River Valley Credit Union Money Market Rates

0.35%*$50k*-Cash Management Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k
0.05%$1k-Money Market Account

River Valley Credit Union Checking Account Rates

1.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

River Valley Credit Union CD Rates

2.30%$100k-60 Months Jumbo CD
2.20%$1k-60 Months CD
2.10%$100k-48 Months Jumbo CD
2.00%$1k-48 Months CD
1.85%$100k-36 Months Jumbo CD
1.75%$1k-36 Months CD
1.75%$5k-27 Months CD Special
1.50%$100k-24 Months Jumbo CD
1.50%$5k-15 Months CD Special
1.40%$1k-24 Months CD
1.25%$1k-18 Months CD
1.15%$1k-12 Months CD
1.00%$500-6 Months CD

River Valley Credit Union IRA Rates

2.20%$1k-60 Months IRA
2.00%$1k-48 Months IRA
1.75%$1k-36 Months IRA
1.40%$1k-24 Months IRA
1.25%$1k-18 Months IRA
1.15%$1k-12 Months IRA
1.00%$500-6 Months IRA

River Valley Credit Union Locations
Branch Office2094 S Alex RdWest Carrollton, OH 45449-2491
Branch Office3927 Indian Ripple RdBeavercreek, OH 45440-3449
Branch Office815 Elliott DrMiddletown, OH 45044-6211
Branch Office25 W Central AveSpringboro, OH 45066-1132
Branch Office505 Earl BlvdMiamisburg, OH 45342
Branch Office5130 Salem AveTrotwood, OH 45426
Branch Office4125 W Town and Country RdKettering, OH 45429
Branch Office6595 Brandt PikeHuber Heights, OH 45424
Branch Office1030 N Main StDayton, OH 45405-4212