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River Valley CU (VT)

Popular Accounts at this Credit Union

0.50%5-year CD60 Month Share Certificate
0.20%1-year CD12 Month Share Certificate
0.20%SavingsSpecial Account

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

River Valley CU (VT) is headquartered in Brattleboro and is the 8th largest credit union in the state of Vermont. It is also the 1,621st largest credit union in the nation. It was established in 1946 and as of December of 2016, it had grown to 49 employees and 16,855 members at 5 locations. River Valley CU (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 (1)

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!

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. River Valley CU (VT) has a relatively low asset base.

Health Grade Components

NCUA #64365
Year Chartered1946
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD5.8%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$95.7MM$90.4MM
LoansQ4 2016vs Q4 2015$83.3MM$79.2MM
DepositsQ4 2016vs Q4 2015$84.9MM$80.5MM
Equity CapitalQ4 2016vs Q4 2015$7.2MM$6.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$633.00K$526.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$751.00K$2.9MM
Real Estate OwnedQ4 2016vs Q4 2015$439.00K$70.00K
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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 CU (VT) Savings Account Rates

0.20%--Base Share Accounts
0.20%--Christmas Club Account
0.20%--Vacation Club Account
0.20%--Tax Account
0.20%--Special Account
0.20%--IRA Share Account

River Valley CU (VT) Money Market Rates

0.20%$1k-Tiered Money Market Account

River Valley CU (VT) CD Rates

0.50%$500-48 Month Share Certificate
0.50%$500-60 Month Share Certificate
0.30%$500-36 Month Share Certificate
0.25%$500-24 Month Share Certificate
0.25%$500-30 Month Share Certificate
0.20%$500-3 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.20%$500-12 Month Share Certificate
0.20%$500-18 Month Share Certificate

River Valley CU (VT) IRA Rates

0.50%$25-48 Month IRA Certificate
0.50%$25-60 Month IRA Certificate
0.30%$25-36 Month IRA Certificate
0.25%$25-24 Month IRA Certificate
0.25%$25-30 Month IRA Certificate
0.20%$25-3 Month IRA Certificate
0.20%$25-6 Month IRA Certificate
0.20%$25-12 Month IRA Certificate
0.20%$25-18 Month IRA Certificate

River Valley CU (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