River Works 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 Works 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 Works 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 Works 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 Works Credit Union? Share your experience about River Works Credit Union by leaving a review below, or read customer reviews before you decide to use River Works Credit Union. Overall, River Works 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 Works Credit Union River Works Credit Union 947 Western Ave Lynn, MA 01905 2640  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
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Credit Card Rate ComparisonSavings Secured Visa®
18.000%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
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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 ComparisonSignature Loan
10.000%
$0
12 - 12
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
A+ Preferred Line Of Credit
10.990%
$0
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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 Works Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: River Works Credit Union
Website: https://www.rwcu.com
Full Time Employees: 23Part Time Employees: 2 President: Kevin Chiles CEO: Jim Donahue Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
947 Western Ave
Lynn, MA 01905 2640 Phone Number: 781-599-0096 Fax Number: 781-596-2280 FinancialsTotal Assets:
185,329,722
Total Amount of Shares and Deposits:
166,670,493
Total Shares and Deposits < 1 Year:
165,217,455
Total Shares and Deposits 1 3 Years:
1,096,155
Total Shares and Deposits > 3 Years:
356,883
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
29,274,127
Total Uninsured Shares and Deposits > $250K (F+J):
29,274,127
Total Insured Shares and Deposits > $250K (item 17 less item K):
137,396,366
Total Interest Expense (Sum of items 6 8):
3,092,574
Share Certificates:
1,398
Number of Accounts for Share Drafts:
3,146
IRA KEOGH Accounts:
48
Number of Accounts for Regular Shares:
5,635
All other shares:
193
Non Member Deposits:
20
Money Market Shares:
206
Net Income (unless the amount is already included in Undivided Earnings):
492,094
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
21,179,956
Total Liabilities:
168,333,582
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About River Works Credit UnionIs a member application needed to join River Works Credit Union?Yes, to access services at River Works Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, River Works Credit Union provides a range of mortgage and home equity products. Is River Works Credit Union a safe place to deposit money?Yes, River Works Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does River Works Credit Union offer online and mobile banking?Most modern institutions like River Works Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.40%, 6-month CD rates at 1.00% and 3-month CD rates at 3.30%. Savings rates are at 0.25% and money market rates are at 3.50%. Mortgage rates on 30-year fixed loans are around 6.12%. Credit Card rates are at 9.20%. Personal Loan rates are at 7.75%. All these rates, and more, can be found in our database of rates which you can compare to 
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