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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.
 Rock Valley Credit Union Rates & Review October 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 and Verified: October 10, 2026
Rock Valley Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 6 Month CDs (CDs) - Promotional CD, 0.15% APY on savings, 2.50% APY on money market accounts, and personal loans from 10.99% APR, according to rates verified by MonitorBankRates. Other Rock Valley Credit Union CD rates include 6 Month CDs (CDs) - Promotional at 4.25%, 6 Month CDs (CDs) - Promotional at 4.25%, and 15 Month CDs (CDs) - Promotional at 4.00%. MonitorBankRates evaluates the financial stability of Rock Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.46%. Rates last updated and verified on 10/10/2026. Rock Valley 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 Rock Valley Credit Union? Share your experience about Rock Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Rock Valley Credit Union. Rock Valley Credit Union
Loves Park 1201 Clifford Ave
https://www.rockvalleycreditunion.org/ Loves Park, IL 61111  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Rock Valley Credit Union CD Rates
Rock Valley Credit Union Savings Rates
Rock Valley Credit Union Money Market Rates
Rock Valley Credit Union Auto Loan Rates
Rock Valley Credit Union RV, Boat and Powersport Loan Rates
Rock Valley Credit Union Personal Loan Rates
Rock Valley Credit Union Other Rates
Financial Health HistoryRock Valley Credit Union’s Texas Ratio stayed near 4.50% in Q3 2023 to 4.46% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rock Valley 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 Rock Valley 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 Rock Valley Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rock Valley Credit Union
Address
1201 Clifford Ave,
Loves Park, IL 61111
Phone
815-282-0300
Fax
815-877-8201
President
David Gill
CEO
Darlyne Keller
Full-Time Employees
50
Part-Time Employees
7
Branch Locations
5
ATM Locations
6
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
4.46%
Return on Assets (ROA)
0.0458%
Return on Equity (ROE)
0.3978%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
174,420,919
Total Amount of Shares and Deposits
152,702,449
Total Shares and Deposits < 1 Year
145,696,433
Total Shares and Deposits 1 3 Years
7,006,016
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,906,875
Total Uninsured Shares and Deposits > $250K (F+J)
5,906,875
Total Insured Shares and Deposits > $250K (item 17 less item K)
146,795,574
Total Interest Expense (Sum of items 6 8)
899,513
Share Certificates
954
Number of Accounts for Share Drafts
11,312
IRA KEOGH Accounts
272
Number of Accounts for Regular Shares
19,462
All other shares
61
Money Market Shares
185
Net Income (unless the amount is already included in Undivided Earnings)
79,798
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,590,448
Total Liabilities
154,783,545
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Rock Valley Credit UnionHow many branches does Rock Valley Credit Union operate?Rock Valley 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 Rock Valley Credit Union?Yes, to access services at Rock Valley 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, Rock Valley 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, Rock Valley Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rock Valley Credit Union offer online and mobile banking?Most modern institutions like Rock Valley 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.rockvalleycreditunion.org/. Current Rock Valley Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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