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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.
 River Works 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.
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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: March 28, 2026
River Works Credit Union's 6 Month CD of Deposit rates are at 4.07%, 3 Month CD of Deposit rates are at 3.90%, 36 Month CD of Deposit rates are at 2.78%, 48 Month CD of Deposit rates are at 2.78%, 60 Month CD of Deposit rates are at 2.78%. River Works Credit Union's savings rates are at 0.05%. River Works Credit Union's money market rates are at 0.10%. River Works Credit Union's Personal Loan Rates are at 11.00%. MonitorBankRates evaluates the financial stability of River Works Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.57%. Rates were last updated on 03/28/2026. River Works 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 River Works Credit Union? Share your experience about River Works Credit Union by leaving a review below, or read customer reviews before you decide to use River Works Credit Union. River Works Credit Union
River Works Credit Union 947 Western Ave
https://www.rwcu.com Lynn, MA 01905 2640 
River Works Credit Union CD Rates
River Works Credit Union Savings Rates
River Works Credit Union Money Market Rates
River Works Credit Union Checking Rates
River Works Credit Union Auto Loan Rates
River Works Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for River Works 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 River Works 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 River Works Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
River Works Credit Union
Website
https://www.rwcu.com
Address
947 Western Ave,
Lynn, MA 01905 2640
Phone
781-599-0096
Fax
781-596-2280
President
Kevin Chiles
CEO
Jim Donahue
Full-Time Employees
23
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.57%
Return on Assets (ROA)
0.2655%
Return on Equity (ROE)
2.8953%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
185,329,722
Total Amount of Shares and Deposits
166,670,493
Total Shares and Deposits < 1 Year
165,217,455
Total Shares and Deposits 1 3 Years
1,096,155
Total Shares and Deposits > 3 Years
356,883
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,274,127
Total Uninsured Shares and Deposits > $250K (F+J)
29,274,127
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,396,366
Total Interest Expense (Sum of items 6 8)
3,092,574
Share Certificates
1,398
Number of Accounts for Share Drafts
3,146
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
5,635
All other shares
193
Non Member Deposits
20
Money Market Shares
206
Net Income (unless the amount is already included in Undivided Earnings)
492,094
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,179,956
Total Liabilities
168,333,582
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About River Works Credit UnionIs River Works Credit Union a safe place to deposit money?Yes, River Works Credit Union is considered a safe financial institution. With a Texas Ratio of 7.5665886489521%, 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 Works Credit Union operate?River Works 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 River Works Credit Union?Yes, to access services at River Works 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, River Works 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, River Works Credit Union provides members with tools to manage their accounts and build a solid financial history. Does River Works Credit Union offer online and mobile banking?Most modern institutions like River Works 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.rwcu.com. Current River Works Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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