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iAdvertiser Disclosure
Advertiser Disclosure
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 Alabama River 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 24, 2026
Alabama River Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of Alabama River Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates were last updated on 04/24/2026. Alabama River 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 Alabama River Credit Union? Share your experience about Alabama River Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama River Credit Union. Alabama River Credit Union
Alabama River Credit Union 3365 S ALABAMA AVE
https://www.arivercu.com MONROEVILLE, AL 36460 
Alabama River Credit Union Auto Loan Rates
Alabama River Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alabama River 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 Alabama River 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 Alabama River Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama River Credit Union
Website
https://www.arivercu.com
Address
3365 S ALABAMA AVE,
MONROEVILLE, AL 36460
Phone
251-575-2921
Fax
251-575-5271
President
Johnny House
CEO
SHARON DOWNING
Full-Time Employees
5
Part-Time Employees
2
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+ (100/100)
Texas Ratio
0.52%
Return on Assets (ROA)
0.0507%
Return on Equity (ROE)
0.5371%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
23,586,568
Total Amount of Shares and Deposits
21,183,376
Total Shares and Deposits < 1 Year
19,896,492
Total Shares and Deposits 1 3 Years
1,286,884
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
152,984
Total Uninsured Shares and Deposits > $250K (F+J)
152,984
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,030,392
Total Interest Expense (Sum of items 6 8)
40,495
Share Certificates
57
Number of Accounts for Share Drafts
1,041
IRA KEOGH Accounts
36
Number of Accounts for Regular Shares
1,965
All other shares
359
Non Member Deposits
1
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,306,791
Total Liabilities
21,358,697
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Alabama River Credit UnionIs Alabama River Credit Union a safe place to deposit money?Yes, Alabama River Credit Union is considered a safe financial institution. With a Texas Ratio of 0.52413268093171%, 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 Alabama River Credit Union operate?Alabama River 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 Alabama River Credit Union?Yes, to access services at Alabama River 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, Alabama River 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, Alabama River Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama River Credit Union offer online and mobile banking?Most modern institutions like Alabama River 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.arivercu.com. Compare to Other Credit Unions
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