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River Valley Credit Union Ada, MI

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River Valley Credit Union Ada, MI Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, River Valley Credit Union Ada, MI provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

River Valley Credit Union Ada, MI's top rates as of October 13, 2026 are personal loans from 9.95% APR, and credit cards from 7.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of River Valley Credit Union Ada, MI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.94%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

River Valley Credit Union Ada, MI
River Valley Credit Union

7177 Headley St SE
Ada, MI 49301-9900

https://www.myrivervalleycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

River Valley Credit Union Ada, MI Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity	-	-	6.00%	60 months or less
Details As Low As; LTV: Under 80% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed-Rate Home Equity	-	-	6.95%	61 - 120 months
Details As Low As; LTV: Under 80% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed-Rate Home Equity	-	-	7.00%	60 months or less
Details As Low As; LTV: 80-90% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed-Rate Home Equity	-	-	7.95%	61 - 120 months
Details As Low As; LTV: 80-90% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

River Valley Credit Union Ada, MI Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto up to 60 month term	-	-	5.25%	60 months
Details As Low As; Rates starting @ 4.25%, based on individual credit. Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto 2017 or Newer	-	-	5.25%	60 months
Details As Low As; Rates starting @ 4.25%, based on individual credit. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto 2016 or Older	-	-	8.95%	60 months
Details As Low As; Rates starting @ 6.95%, based on individual credit. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

River Valley Credit Union Ada, MI RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV Loan	-	6.25%	60 months
Details As Low As; Rates starting @ 4.25% & longer terms available. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used RV Loan	-	6.25%	60 months
Details As Low As; Rates starting @ 4.25% & longer terms available. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

River Valley Credit Union Ada, MI Credit Card Rates

Product	Rate	APR	View More
RVCU Visa	-	7.50%
Details As Low As; Rates as low as 7.5%, depending on credit. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

River Valley Credit Union Ada, MI Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.95%	36 months
Details As Low As; Get rid of high interest rate credit cards. Apply today! Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

River Valley Credit Union Ada, MI Other Rates

Product	Rate	Points	APY/APR	Term	View More
Fast Cash Line of Credit	-	-	12.99%	36 months
Details As Low As; Get cash FAST whenever you need it! Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

River Valley Credit Union Ada, MI’s Texas Ratio rose from 2.21% in Q3 2023 to 2.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$124M	2.94%	5.0	A+
March 31, 2026	$124M	2.70%	5.0	A+
December 31, 2025	$120M	2.30%	5.0	A+
September 30, 2025	$118M	2.21%	5.0	A+
June 30, 2025	$124M	2.24%	5.0	A+
March 31, 2025	$124M	2.69%	5.0	A+
December 31, 2024	$119M	3.10%	5.0	A+
September 30, 2024	$120M	3.78%	5.0	A+
June 30, 2024	$121M	2.80%	5.0	A+
March 31, 2024	$121M	4.96%	5.0	A+
December 31, 2023	$120M	3.52%	5.0	A+
September 30, 2023	$118M	2.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for River Valley Credit Union Ada, MI 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 Valley Credit Union Ada, MI 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 Valley Credit Union Ada, MI's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name River Valley Credit Union Ada, MI

Website https://www.myrivervalleycu.org

Address 7177 Headley St SE, Ada, MI 49301-9900

Phone 616-787-7481

Fax 616-676-8136

President Scott Boles

CEO Janelle Franke

Full-Time Employees 26

Part-Time Employees 4

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.94%

Return on Assets (ROA)

0.3542%

Return on Equity (ROE)

2.9206%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

124,017,043

Total Amount of Shares and Deposits

107,489,720

Total Shares and Deposits < 1 Year

106,439,195

Total Shares and Deposits 1 3 Years

804,940

Total Shares and Deposits > 3 Years

245,585

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,283,532

Total Uninsured Shares and Deposits > $250K (F+J)

2,283,532

Total Insured Shares and Deposits > $250K (item 17 less item K)

105,206,188

Total Interest Expense (Sum of items 6 8)

481,505

Share Certificates

644

Number of Accounts for Share Drafts

6,023

IRA KEOGH Accounts

115

Number of Accounts for Regular Shares

14,044

All other shares

298

Money Market Shares

634

Net Income (unless the amount is already included in Undivided Earnings)

439,330

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,375,653

Total Liabilities

108,974,848

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

River Valley Credit Union Ada, MI earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About River Valley Credit Union Ada, MI

How many branches does River Valley Credit Union Ada, MI operate?

River Valley Credit Union Ada, MI 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 Valley Credit Union Ada, MI?

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

Does River Valley Credit Union Ada, MI offer online and mobile banking?

Most modern institutions like River Valley Credit Union Ada, MI 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.myrivervalleycu.org.