|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 River Community Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
River Community Credit Union's 12 month Kirby CD rates are at 1.10%. River Community Credit Union's money market rates are at 0.30%. River Community Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of River Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.04%. Rates were last updated on 04/08/2026. River Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at River Community Credit Union? Share your experience about River Community Credit Union by leaving a review below, or read customer reviews before you decide to use River Community Credit Union. River Community Credit Union
River Community C U 644 W 2nd St
https://www.rivercommunitycu.org Ottumwa, IA 52501 2358 
River Community Credit Union CD Rates
River Community Credit Union Money Market Rates
River Community Credit Union Auto Loan Rates
River Community Credit Union Credit Card Rates
River Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for River Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather River Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with River Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
River Community Credit Union
Website
https://www.rivercommunitycu.org
Address
644 W 2nd St,
Ottumwa, IA 52501 2358
Phone
641-684-6302
Fax
641-684-7921
President
Herbert Greenfield
CEO
Nathan Bissell
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.04%
Return on Assets (ROA)
0.9819%
Return on Equity (ROE)
6.4847%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
29,628,626
Total Amount of Shares and Deposits
25,035,326
Total Shares and Deposits < 1 Year
21,716,862
Total Shares and Deposits 1 3 Years
3,318,464
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
741,451
Total Uninsured Shares and Deposits > $250K (F+J)
741,451
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,293,875
Total Interest Expense (Sum of items 6 8)
389,796
Share Certificates
294
Number of Accounts for Share Drafts
1,590
IRA KEOGH Accounts
55
Number of Accounts for Regular Shares
3,853
Money Market Shares
108
Net Income (unless the amount is already included in Undivided Earnings)
290,910
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,390,727
Total Liabilities
25,142,520
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About River Community Credit UnionIs River Community Credit Union a safe place to deposit money?Yes, River Community Credit Union is considered a safe financial institution. With a Texas Ratio of 2.0350165600189%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does River Community Credit Union operate?River Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join River Community Credit Union?Yes, to access services at River Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, River Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, River Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does River Community Credit Union offer online and mobile banking?Most modern institutions like River Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rivercommunitycu.org. Current River Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Bragg Mutual Federal Credit Union
NW Priority Credit Union
Nueces Credit Union
CCSE Federal Credit Union
MARSHALL T and P EMPLOYEES
JERSEY CITY FIREMEN
Shoreline Credit Union
Hampton VA Federal Credit Union
Cape Federal Credit Union
Old West Federal Credit Union
Sorg Bay West Federal Credit Union
DuPage Credit Union
Cities Credit Union
Georgetown Kraft Credit Union
COAST GUARD EMPLOYEES
TAPCO Credit Union
P&G Mehoopany Employees Federal Credit Union
Western Vista Federal Credit Union
Partnership Financial Credit Union
OE Local Union #3 FCU
Muskegon Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
