Advertising Disclosure
  1. Home
  2. Banks
  3. Rural Cooperatives Credit Union

Rural Cooperatives Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.rccu.com
800-798-7228
1630 Lyndon Farm Ct Ste 201
Louisville, KY 40223

Rural Cooperatives Credit Union is headquartered in Louisville and is the 31st largest credit union in the state of Kentucky. It is also the 2,759th largest credit union in the nation. It was established in 1964 and as of March of 2025, it had grown to 10 employees and 3,244 members at 2 locations. Rural Cooperatives Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Rural Cooperatives Credit Union is open to employees, members, patrons, contractors, and family members of Electric Cooperatives in Kentucky, Ohio, and Tennessee. Also, the statewide electric cooperative associations of Kentucky, Ohio, and Tennessee, employees of National Information Solutions Cooperative, Western Kentucky Energy, Paradise TVA Steam Plant, Warren County Water District, and other employer-based groups.
See current membership details

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
B+

Data as of Q1 2025

Learn why bank health matters
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. Rural Cooperatives Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61693
Year Chartered1964
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.09%
Annual Interest Income$349K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$35MM$35.2MM
LoansQ1 2025vs Q1 2024$11.5MM$12.7MM
DepositsQ1 2025vs Q1 2024$30.4MM$30.6MM
Equity CapitalQ1 2025vs Q1 2024$4.4MM$4.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$47K$49K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$39K$57K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Rural Cooperatives Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Rural Cooperatives Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$250-Regular Share (Savings)
0.05%$5-Captain Cash Savings
0.05%$100-Genesis Savings
0.05%$250-Holiday Club
0.05%$250-Vacation Club

Rural Cooperatives Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Money Market Account
OTHER TIERS: 0.20% → $2.5k - $10k

Rural Cooperatives Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$1k-30 Month Certificate
3.00%$1k-5 Year Certificate
2.80%$1k-4 Year Certificate
2.70%$1k-3 Year Certificate
2.35%$1k-2 Year Certificate
2.35%$1k-21 Month Certificate
2.25%$1k-18 Month Certificate
2.20%$1k-1 Year Certificate
2.20%$250-1 Year Youth Certificate
2.20%$1k-15 Month Certificate
2.00%$1k-6 Month Certificate
1.00%$1k-3 Month Certificate

Rural Cooperatives Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$1k-30 Month IRA
3.00%$1k-5 Year IRA
2.80%$1k-4 Year IRA
2.70%$1k-3 Year IRA
2.35%$1k-2 Year IRA
2.35%$1k-21 Month IRA
2.25%$1k-18 Month IRA
2.20%$1k-1 Year IRA
2.20%$1k-15 Month IRA
0.05%$250-Individual Retirement Account
Locations


Rural Cooperatives Credit Union Locations
Branch Office13246 State Route 176Drakesboro, KY 42337
Branch Office1630 Lyndon Farm Ct Ste 201Louisville, KY 40223

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.