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 River Valley Credit Union Ames, IA 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 9, 2026
River Valley Credit Union Ames, IA's top rates as of October 9, 2026 are 3.87% APY on its 12 Month CD, 0.10% APY on savings, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other River Valley Credit Union Ames, IA CD rates include 6 Month CD at 3.82%, 12 Month CD at 3.76%, and 6 Month CD at 3.71%. MonitorBankRates evaluates the financial stability of River Valley Credit Union Ames, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.97%. Rates last updated and verified on 10/09/2026. River Valley Credit Union Ames, IA 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 Valley Credit Union Ames, IA? Share your experience about River Valley Credit Union Ames, IA by leaving a review below, or read customer reviews before you decide to use River Valley Credit Union Ames, IA. River Valley Credit Union Ames, IA
River Valley Credit Union 2811 E 13th St
https://www.rvcu.org Ames, IA 50010  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. River Valley Credit Union Ames, IA CD Rates
River Valley Credit Union Ames, IA Savings Rates
River Valley Credit Union Ames, IA Home Equity & HELOC
River Valley Credit Union Ames, IA Auto Loan Rates
River Valley Credit Union Ames, IA RV, Boat and Powersport Loan Rates
River Valley Credit Union Ames, IA Personal Loan Rates
River Valley Credit Union Ames, IA Other Rates
Financial Health HistoryRiver Valley Credit Union Ames, IA’s Texas Ratio rose from 2.92% in Q3 2023 to 4.97% 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 River Valley Credit Union Ames, IA 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 Valley Credit Union Ames, IA 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 Valley Credit Union Ames, IA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
River Valley Credit Union Ames, IA
Website
https://www.rvcu.org
Address
2811 E 13th St,
Ames, IA 50010
Phone
515-232-1654
Fax
515-232-4835
President
Jeffrey Starnes
CEO
Brian Godwin
Full-Time Employees
14
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
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
4.97%
Return on Assets (ROA)
0.4307%
Return on Equity (ROE)
3.7688%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
119,330,389
Total Amount of Shares and Deposits
105,028,937
Total Shares and Deposits < 1 Year
103,410,688
Total Shares and Deposits 1 3 Years
1,551,186
Total Shares and Deposits > 3 Years
67,063
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,498,482
Total Uninsured Shares and Deposits > $250K (F+J)
15,498,482
Total Insured Shares and Deposits > $250K (item 17 less item K)
89,530,455
Total Interest Expense (Sum of items 6 8)
920,757
Share Certificates
746
Number of Accounts for Share Drafts
3,051
IRA KEOGH Accounts
89
Number of Accounts for Regular Shares
9,216
Money Market Shares
468
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)
32,159,820
Total Liabilities
105,693,416
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About River Valley Credit Union Ames, IAHow many branches does River Valley Credit Union Ames, IA operate?River Valley Credit Union Ames, IA 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 Valley Credit Union Ames, IA?Yes, to access services at River Valley Credit Union Ames, IA, 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 Valley Credit Union Ames, IA 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 Valley Credit Union Ames, IA provides members with tools to manage their accounts and build a solid financial history. Does River Valley Credit Union Ames, IA offer online and mobile banking?Most modern institutions like River Valley Credit Union Ames, IA 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.rvcu.org. Current River Valley Credit Union Ames, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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