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River Valley Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
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
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
sec.rivervalleycu.org
937-859-6260
505 Earl Blvd
Miamisburg, OH 45342

River Valley Credit Union is headquartered in Miamisburg and is the 21st largest credit union in the state of Ohio. It is also the 754th largest credit union in the nation. It was established in 1949 and as of December of 2024, it had grown to 85 employees and 26,038 members at 7 locations. River Valley Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

River Valley Credit Union offers membership to those who live, work, worship or attend school in the Ohio counties of Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren. Membership is also open to family of current members, or those affiliated with an employer or association that sponsors River Valley Credit Union services
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #97109
Year Chartered1949
Employees85
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.64%
Annual Interest Income$23.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$478.3MM$457.8MM
LoansQ4 2024vs Q4 2023$373.7MM$363.7MM
DepositsQ4 2024vs Q4 2023$414.7MM$385.8MM
Equity CapitalQ4 2024vs Q4 2023$46.5MM$44.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$3.2MM$2.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.9MM$1.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
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
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/14/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.17%*$5$1kSweet Saving Youth Savings Account
OTHER TIERS: 0.02% → $1k+
4.52%$100-Cap & Gown College Savings Account (Age 0 - 8 )
4.00%$100-Cap & Gown College Savings Account (Age 9 - 14)
0.25%*$0$100kSmart Savings Account
OTHER TIERS: 0.10% → $100k+
0.10%*$500*-Health Savings Account with Checking Account
OTHER TIERS: 0.02% → $0 - $500
0.02%$0-Secondary Savings
0.02%$0-Vacation Club Savings Account
0.02%$0-Christmas Club Savings Account
0.02%$5-Primary Savings

River Valley Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*-Money Market Checking
OTHER TIERS: 0.02% → $0 - $2.5k | 2.65% → $2.5k - $10k | 2.75% → $10k - $25k | 2.85% → $25k - $50k | 2.95% → $50k - $250k
3.00%*$250k*-Business Money Market 4BIZ
OTHER TIERS: 0.02% → $0 - $2.5k | 2.65% → $2.5k - $10k | 2.75% → $10k - $25k | 2.85% → $25k - $50k | 2.95% → $50k - $250k

River Valley Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$0$25kSaver Checking
OTHER TIERS: 0.10% → $25k+
0.75%*$0$25kSaver Plus Checking
OTHER TIERS: 0.10% → $25k+
0.20%*$100k*-Biz Dividend
OTHER TIERS: 0.02% → $1k - $25k | 0.10% → $25k - $100k
0.20%*$100k*-Vision Checking
OTHER TIERS: 0.02% → $1k - $25k | 0.10% → $25k - $100k

River Valley Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$100k-60 Month Jumbo CD
4.20%$100k-Business 60 Month Jumbo CD
4.10%$1k-60 Month CD
4.10%$100k-48 Month Jumbo CD
4.10%$1k-Business 60 Month CD
4.10%$100k-Business 48 Month Jumbo CD
4.05%$100k-36 Month Jumbo CD
4.05%$100k-Business 36 Month Jumbo CD
4.05%$100k-24 Month Jumbo Bump Up CD Special
4.05%$100k-Business 24 Month Jumbo Bump Up CD Special
4.00%$1k-48 Month CD
4.00%$1k-Business 48 Month CD
3.95%$1k-36 Month CD
3.95%$1k-Business 36 Month CD
3.95%$1k-24 Month Bump Up CD Special
3.95%$1k-Business 24 Month Bump Up CD Special
3.90%$1k-12 Month Bump Up CD Special
3.90%$1k-18 Month Bump Up CD Special
3.90%$1k-Business 12 Month Bump Up CD Special
3.90%$1k-Business 18 Month Bump Up CD Special
3.85%$500-6 Month CD
3.85%$500-Business 6 Month CD

River Valley Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$1k-60 Month IRA
4.10%$1k-48 Month IRA
4.05%$1k-36 Month IRA
4.05%$1k-24 Month Bump Up IRA Special
4.00%$1k-12 Month Bump Up IRA Special
4.00%$1k-18 Month Bump Up IRA Special
3.95%$500-6 Month IRA
2.00%$0-IRA Savings Account
Locations


River Valley Credit Union Locations
Branch Office2094 S Alex RdWest Carrollton, OH 45449-2491
Branch Office3927 Indian Ripple RdDayton, OH 45440-3449
Branch Office25 W Central AveSpringboro, OH 45066-1132
Branch Office505 Earl BlvdMiamisburg, OH 45342
Branch Office2098 S Alex RdWest Carrollton, OH 45449
Branch Office6595 Brandt PikeHuber Heights, OH 45424
Branch Office1030 N Main StDayton, OH 45405-4212

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