Overview / Commentary
2811 E 13th St
Ames, IA 50010

River Valley Credit Union is headquartered in Ames and is the 28th largest credit union in the state of Iowa. It is also the 1,965th largest credit union in the nation. It was established in 1961 and as of December of 2018, it had grown to 13 employees and 5,064 members at 2 locations. River Valley Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Story County and the surrounding counties.
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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 Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61664
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD6.59%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$70.2MM$62.6MM
LoansQ4 2018vs Q4 2017$49.7MM$35.9MM
DepositsQ4 2018vs Q4 2017$55.2MM$55.2MM
Equity CapitalQ4 2018vs Q4 2017$7.7MM$7.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$167.00K$153.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$221.00K$133.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

0.40%$100-IRA Account
0.15%$100-Member Share
0.15%$100-Regular Savings
0.15%$100-Christmas Club
0.15%$100-Escrow Share

River Valley Credit Union Money Market Rates

0.60%*$25k*-Money Market Account
OTHER TIERS: 0.35% $5k - $25k

River Valley Credit Union CD Rates

2.53%$1k-12 Month CD Special
2.48%*$100k*-60 Month CD
OTHER TIERS: 2.27% $1k - $10k | 2.38% $10k - $100k
2.22%*$100k*-48 Month CD
OTHER TIERS: 2.02% $1k - $10k | 2.12% $10k - $100k
1.97%*$100k*-36 Month CD
OTHER TIERS: 1.87% $1k - $10k | 1.92% $10k - $100k
1.31%*$100k*-24 Month CD
OTHER TIERS: 1.11% $1k - $10k | 1.21% $10k - $100k
0.70%*$100k*-6 Month CD
OTHER TIERS: 0.55% $1k - $10k | 0.60% $10k - $100k

River Valley Credit Union Locations
Branch Office1400 Fawcett Pkwy Suite FNevada, IA 50201
Branch Office2811 E 13th StAmes, IA 50010

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