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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.
 East River Federal 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 18, 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 04/18/2026. 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. East River Federal Credit Union
East River FCU 220 S Harth Ave
https://www.eastriverfcu.com Madison, SD 57042 2916 
East River Federal Credit Union Money Market Rates
East River Federal Credit Union Auto Loan Rates
East River Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Frequently Asked Questions About East River Federal Credit UnionIs East River Federal Credit Union a safe place to deposit money?Yes, East River Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8552323951123%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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