River Community Credit Union Rates and Review January 2026
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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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Compare River Community Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of River Community Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityRiver Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at River Community Credit Union? Share your experience about River Community Credit Union by leaving a review below, or read customer reviews before you decide to use River Community Credit Union. Overall, River Community Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. River Community Credit Union River Community C U 644 W 2nd St Ottumwa, IA 52501 2358  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonVisa Crimson Rewards Card
13.740%
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
Credit Card
10.150%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonDebt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
50% Share Secured Loan
6.460% - 14.990%
$0
Personal Line of Credit
16.240%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have River Community Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: River Community Credit Union
Website: https://www.rivercommunitycu.org
Full Time Employees: 6Part Time Employees: 0 President: Herbert Greenfield CEO: Nathan Bissell Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
644 W 2nd St
Ottumwa, IA 52501 2358 Phone Number: 641-684-6302 Fax Number: 641-684-7921 FinancialsTotal Assets:
29,628,626
Total Amount of Shares and Deposits:
25,035,326
Total Shares and Deposits < 1 Year:
21,716,862
Total Shares and Deposits 1 3 Years:
3,318,464
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
741,451
Total Uninsured Shares and Deposits > $250K (F+J):
741,451
Total Insured Shares and Deposits > $250K (item 17 less item K):
24,293,875
Total Interest Expense (Sum of items 6 8):
389,796
Share Certificates:
294
Number of Accounts for Share Drafts:
1,590
IRA KEOGH Accounts:
55
Number of Accounts for Regular Shares:
3,853
Money Market Shares:
108
Net Income (unless the amount is already included in Undivided Earnings):
290,910
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
4,390,727
Total Liabilities:
25,142,520
Show More
Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About River Community Credit UnionIs a member application needed to join River Community Credit Union?Yes, to access services at River Community Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, River Community Credit Union provides a range of mortgage and home equity products. Is River Community Credit Union a safe place to deposit money?Yes, River Community Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does River Community Credit Union offer online and mobile banking?Most modern institutions like River Community Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.51%, 6-month CD rates at 1.61% and 3-month CD rates at 0.50%. Savings rates are at 0.50% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.07%. Credit Card rates are at 15.25%. Personal Loan rates are at 6.46%. All these rates, and more, can be found in our database of rates which you can compare to 
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