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Mountain River Credit Union

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Mountain River Credit Union Rates & Review September 2026

Q: Is a member application needed to join Mountain River Credit Union?

Yes, to access services at Mountain River 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mountain River Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Mountain River Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Mountain River Credit Union, and you can see how they compare in the Mountain River Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Mountain River Credit Union with a 4.5 Star Rating, an A Overall Health Grade, and a Texas Ratio of 3.73%. Database rates last updated and verified on 09/23/2026.

Mountain River 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 Mountain River Credit Union? Share your experience about Mountain River Credit Union by leaving a review below, or read customer reviews before you decide to use Mountain River Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

3.73%

Excellent Lower than avg

Health Trend

Improving 11 quarters

Full history ›

Mountain River Credit Union
Corporate Office

205 E 3rd St
Salida, CO 81201

https://www.mountainrivercu.org

Current Rate Availability

We're not currently displaying rates for Mountain River Credit Union, but our database is updated constantly, so check back soon for the latest offers.

Are you with Mountain River Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Mountain River Credit Union’s Texas Ratio fell from 11.53% in Q2 2023 to 3.73% in Q4 2025, so its financial health has improved and is now very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 4.5. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
December 31, 2025	$30M	3.73%	4.5	A
September 30, 2025	$31M	2.28%	5.0	A+
June 30, 2025	$31M	8.73%	5.0	A
March 31, 2025	$32M	2.69%	5.0	A+
December 31, 2024	$30M	7.47%	5.0	A
September 30, 2024	$32M	4.82%	5.0	A+
June 30, 2024	$33M	15.35%	5.0	A-
March 31, 2024	$32M	6.50%	5.0	A
December 31, 2023	$33M	4.41%	5.0	A+
September 30, 2023	$34M	6.19%	5.0	A
June 30, 2023	$33M	11.53%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mountain River 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 Mountain River 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 Mountain River Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mountain River Credit Union

Website https://www.mountainrivercu.org

Address 205 E 3rd St, Salida, CO 81201

Phone 719-539-2968

Fax 719-539-0868

President Dan Short

CEO Steve Jones

Full-Time Employees 8

Part-Time Employees 2

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.5 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

3.73%

Return on Assets (ROA)

-1.4786%

Return on Equity (ROE)

-22.7899%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

30,267,929

Total Amount of Shares and Deposits

28,106,948

Total Shares and Deposits < 1 Year

27,909,507

Total Shares and Deposits 1 3 Years

147,982

Total Shares and Deposits > 3 Years

49,459

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

116,580

Total Uninsured Shares and Deposits > $250K (F+J)

116,580

Total Insured Shares and Deposits > $250K (item 17 less item K)

27,990,368

Total Interest Expense (Sum of items 6 8)

229,845

Share Certificates

200

Number of Accounts for Share Drafts

1,775

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,619

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,169,694

Total Liabilities

28,318,641

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Mountain River Credit Union

How many branches does Mountain River Credit Union operate?

Mountain River 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 Mountain River Credit Union?

Yes, to access services at Mountain River 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, Mountain River 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, Mountain River Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mountain River Credit Union offer online and mobile banking?

Most modern institutions like Mountain River 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.mountainrivercu.org.