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East River Federal Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: May 7, 2026

East River Federal Credit Union's money market rates are at 0.30%. East River Federal Credit Union's Personal Loan Rates are at 9.40%. MonitorBankRates evaluates the financial stability of East River Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.86%. Rates were last updated on 05/07/2026.

East River Federal 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 East River Federal Credit Union? Share your experience about East River Federal Credit Union by leaving a review below, or read customer reviews before you decide to use East River Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.86%
Excellent Lower than avg
East River Federal Credit Union
East River FCU
220 S Harth Ave
Madison, SD 57042 2916
https://www.eastriverfcu.com
Member NCUA

East River Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.30%
Details As High As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.86%

East River Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.90%
Details As Low As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.86%

East River Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loans - 9.40%
Details As Low As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.86%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for East River Federal 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 East River Federal 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 East River Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name East River Federal Credit Union
Website https://www.eastriverfcu.com
Address 220 S Harth Ave, Madison, SD 57042 2916
Phone 605-256-8145
Fax 605-256-8053
President Tami Severson
CEO Tanya Hobson
Full-Time Employees 9
Part-Time Employees 1
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.86%
Return on Assets (ROA)
-0.0414%
Return on Equity (ROE)
-0.3759%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
38,832,268
Total Amount of Shares and Deposits
34,622,638
Total Shares and Deposits < 1 Year
34,323,037
Total Shares and Deposits 1 3 Years
42,289
Total Shares and Deposits > 3 Years
257,312
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
61,296
Total Uninsured Shares and Deposits > $250K (F+J)
61,296
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,561,342
Total Interest Expense (Sum of items 6 8)
108,756
Share Certificates
159
Number of Accounts for Share Drafts
4,110
Number of Accounts for Regular Shares
2,305
Money Market Shares
84
Net Income (unless the amount is already included in Undivided Earnings)
-15,449
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,219,586
Total Liabilities
34,784,689
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for East River Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About East River Federal Credit Union

How many branches does East River Federal Credit Union operate?

East River Federal 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 East River Federal Credit Union?

Yes, to access services at East River Federal 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, East River Federal 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, East River Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does East River Federal Credit Union offer online and mobile banking?

Most modern institutions like East River Federal 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.eastriverfcu.com.

Current East River Federal Credit Union Rates

  • MMA0.30%
Retrieved from our database of financial products. Rates subject to change.

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