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 River Valley Credit Union Ada, MI 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.
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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: April 4, 2026
River Valley Credit Union Ada, MI's Personal Loan Rates are at 9.95%. 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 2.32%. Rates were last updated on 04/04/2026. 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. River Valley Credit Union Ada, MI
River Valley Credit Union 7177 Headley St SE
https://www.myrivervalleycu.org Ada, MI 49301 9900 
River Valley Credit Union Ada, MI Home Equity & HELOC
River Valley Credit Union Ada, MI Credit Card Rates
River Valley Credit Union Ada, MI Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
Kurt Hansen
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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.32%
Return on Assets (ROA)
0.5996%
Return on Equity (ROE)
4.9026%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
117,845,986
Total Amount of Shares and Deposits
102,346,668
Total Shares and Deposits < 1 Year
100,471,283
Total Shares and Deposits 1 3 Years
1,605,038
Total Shares and Deposits > 3 Years
270,347
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,297,753
Total Uninsured Shares and Deposits > $250K (F+J)
1,297,753
Total Insured Shares and Deposits > $250K (item 17 less item K)
101,048,915
Total Interest Expense (Sum of items 6 8)
750,652
Share Certificates
636
Number of Accounts for Share Drafts
6,142
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
13,821
All other shares
301
Money Market Shares
619
Net Income (unless the amount is already included in Undivided Earnings)
706,556
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,931,238
Total Liabilities
103,460,415
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About River Valley Credit Union Ada, MIIs River Valley Credit Union Ada, MI a safe place to deposit money?Yes, River Valley Credit Union Ada, MI is considered a safe financial institution. With a Texas Ratio of 2.3247271313549%, 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 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. Compare to Other Credit Unions
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