Overview / Commentary
820 Putney Rd
Brattleboro, VT 05301-9058

River Valley Credit Union (VT) is headquartered in Brattleboro and is the 8th largest credit union in the state of Vermont. It is also the 1,487th largest credit union in the nation. It was established in 1946 and as of December of 2018, it had grown to 56 employees and 18,056 members at 5 locations. River Valley Credit Union (VT) has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Windsor and Windham Counties in Vermont, Western Cheshire and Western Sullivan Counties in New Hampshire.
See current membership details

Reviews (2)

River CU: Supporting your local "grass-roots" bank

River Valley Credit Union is a great little bank in south-eastern Vermont. Having grown up in the area and used them since opening my first bank account, over the long run I have been very impressed with this bank. It's a credit union so there are no fees for having a checking or savings account. The only requirement is that you keep a constant $25 dollars in your savings as a member "share" which makes you a part "owner" of the bank. It's a credit union after all!

Would Consider Returning

My husband and I banked at River Valley Credit Union for several years, and overall were very happy with our experience. The customer service was great, and we loved the smaller feel of River Valley as opposed to using a larger bank. The manager of the location that we used was very personable and helpful each time we interacted with her. The main problem that we had, which prompted us to move eventually, was that they started charging fees on what had been, up to that point, free checking. It was a difficult decision, but we did move to a bank that offered the free checking account, which was what we wanted, but we were both sad to leave River Valley. That was several years ago, and it does appear that they offer a free checking account now, so we will definitely consider River Valley again if we find ourselves looking for a new bank/credit union.


Health Grade Components

NCUA #64365
Year Chartered1946
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD17.16%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$115.2MM$107.2MM
LoansQ4 2018vs Q4 2017$102.1MM$94.7MM
DepositsQ4 2018vs Q4 2017$100.0MM$91.0MM
Equity CapitalQ4 2018vs Q4 2017$9.8MM$8.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$798.00K$719.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.4MM$1.1MM
Real Estate OwnedQ4 2018vs Q4 2017$0$121.00K
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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 (VT) Savings Account Rates

0.30%--Base Share Accounts
0.30%--Christmas Club
0.30%--Vacation Club
0.30%--Tax Account
0.30%--Special Account
0.30%--IRA Share Account

River Valley Credit Union (VT) Money Market Rates

0.40%*$50k*-Tiered Money Market Account
OTHER TIERS: 0.30% $1k - $2.5k | 0.32% $2.5k - $10k | 0.34% $10k - $25k | 0.37% $25k - $50k

River Valley Credit Union (VT) CD Rates

0.60%$500-48 Month Share Certificate
0.60%$500-60 Month Share Certificate
0.40%$500-36 Month Share Certificate
0.35%$500-24 Month Share Certificate
0.35%$500-30 Month Share Certificate
0.30%$500-3 Month Share Certificate
0.30%$500-6 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.30%$500-18 Month Share Certificate

River Valley Credit Union (VT) IRA Rates

0.60%$25-48 Month IRA Certificate
0.60%$25-60 Month IRA Certificate
0.40%$25-36 Month IRA Certificate
0.35%$25-24 Month IRA Certificate
0.35%$25-30 Month IRA Certificate
0.30%$25-3 Month IRA Certificate
0.30%$25-6 Month IRA Certificate
0.30%$25-12 Month IRA Certificate
0.30%$25-18 Month IRA Certificate

River Valley Credit Union (VT) Locations
Branch Office52 Main St Ste 1Putney, VT 05346
Branch Office1 Hospital CtBellows Falls, VT 05101-1489
Branch Office820 Putney RdBrattleboro, VT 05301-9058
Branch Office34 Clinton StSpringfield, VT 05156
Branch Office1154 VT Route 30Townshend, VT 05353

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