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 Credit Union of Richmond Rates & Review September 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: September 22, 2026
Credit Union of Richmond's 60 Month Share/IRA CD rates are at 3.55%, 48 Month Share/IRA CD rates are at 3.29%, 12 Month Youth Special Share/IRA CD rates are at 3.03%, 36 Month Share/IRA CD rates are at 3.03%, 24 Month Share/IRA CD rates are at 2.78%. Credit Union of Richmond's savings rates are at 0.50%. Credit Union of Richmond's Personal Loan Rates are as low as 7.49%. MonitorBankRates evaluates the financial stability of Credit Union of Richmond with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.08%. Rates last updated and verified on 09/22/2026. Credit Union of Richmond 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 Credit Union of Richmond? Share your experience about Credit Union of Richmond by leaving a review below, or read customer reviews before you decide to use Credit Union of Richmond. 
Credit Union of Richmond CD Rates
Credit Union of Richmond Savings Rates
Credit Union of Richmond Home Equity & HELOC
Credit Union of Richmond Auto Loan Rates
Credit Union of Richmond Personal Loan Rates
Credit Union of Richmond Other Rates
Financial Health HistoryCredit Union of Richmond’s Texas Ratio rose from 0.29% in Q2 2023 to 1.08% in Q1 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 Credit Union of Richmond 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 Credit Union of Richmond 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 Credit Union of Richmond's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Credit Union of Richmond
Website
https://www.curich.org
Address
1601 Ownby Ln,
Richmond, VA 23220
Phone
804-355-9684
Fax
804-355-9725
President
Alvin Strother
CEO
Arthur Hart
Full-Time Employees
9
Part-Time Employees
1
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+ (99/100)
Texas Ratio
1.08%
Return on Assets (ROA)
-0.0521%
Return on Equity (ROE)
-0.2910%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
65,216,637
Total Amount of Shares and Deposits
54,474,113
Total Shares and Deposits < 1 Year
51,669,449
Total Shares and Deposits 1 3 Years
1,851,116
Total Shares and Deposits > 3 Years
953,548
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,990,826
Total Uninsured Shares and Deposits > $250K (F+J)
3,990,826
Total Insured Shares and Deposits > $250K (item 17 less item K)
50,483,287
Total Interest Expense (Sum of items 6 8)
82,458
Share Certificates
247
Number of Accounts for Share Drafts
2,355
IRA KEOGH Accounts
184
Number of Accounts for Regular Shares
5,455
Money Market Shares
50
Net Income (unless the amount is already included in Undivided Earnings)
107,181
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)
12,710,462
Total Liabilities
54,508,767
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Credit Union of RichmondHow many branches does Credit Union of Richmond operate?Credit Union of Richmond 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 Credit Union of Richmond?Yes, to access services at Credit Union of Richmond, 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, Credit Union of Richmond 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, Credit Union of Richmond provides members with tools to manage their accounts and build a solid financial history. Does Credit Union of Richmond offer online and mobile banking?Most modern institutions like Credit Union of Richmond 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.curich.org. Current Credit Union of Richmond Rates
Retrieved from our database of financial products. Rates subject to change.
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