What are the current interest rates at Rock Valley Credit Union?

Current rates for Rock Valley Credit Union include: 12-Month CD: 2.50%, 18-Month CD: 2.50%, 24-Month CD: 2.50%, Savings: 0.15%, MMA: 1.00%

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Rock Valley Credit Union

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Rock Valley Credit Union Rates & Review September 2026

Q: How many branches does Rock Valley Credit Union operate?

Rock Valley 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.

Q: Is a member application needed to join Rock Valley Credit Union?

Yes, to access services at Rock Valley 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, Rock Valley 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 22, 2026

Rock Valley Credit Union's 6 Month CDs (CDs) - Promotional rates are at 4.25%, 6 Month CDs (CDs) - Promotional rates are at 4.25%, 6 Month CDs (CDs) - Promotional rates are at 4.25%, 15 Month CDs (CDs) - Promotional rates are at 4.00%, 15 Month CDs (CDs) - Promotional rates are at 4.00%. Rock Valley Credit Union's savings rates are at 0.15%. Rock Valley Credit Union's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of Rock Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.27%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.27%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Rock Valley Credit Union
Loves Park

1201 Clifford Ave
Loves Park, IL 61111

https://www.rockvalleycreditunion.org/

Rock Valley Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificates (CDs) - Promotional	4.17%	4.25%	6 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
6 Month Certificates (CDs) - Promotional	4.17%	4.25%	6 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
6 Month Certificates (CDs) - Promotional	4.17%	4.25%	6 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
15 Month Certificates (CDs) - Promotional	3.93%	4.00%	15 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
15 Month Certificates (CDs) - Promotional	3.93%	4.00%	15 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
15 Month Certificates (CDs) - Promotional	3.93%	4.00%	15 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month Certificate (CD)	2.96%	3.00%	12 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month Save to Win Certificate	2.96%	3.00%	12 months
Min Deposit $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
18 Month Certificate (CD)	2.96%	3.00%	18 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
24 Month Certificate (CD)	2.96%	3.00%	24 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
30 Month Certificate (CD)	2.96%	3.00%	30 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
36 Month Certificate (CD)	2.96%	3.00%	36 Mo.
Min Deposit $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month Certificate (CD)	2.72%	2.75%	12 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
18 Month Certificate (CD)	2.72%	2.75%	18 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
24 Month Certificate (CD)	2.72%	2.75%	24 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
30 Month Certificate (CD)	2.72%	2.75%	30 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
36 Month Certificate (CD)	2.72%	2.75%	36 Mo.
Min Deposit $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month Certificate (CD)	2.47%	2.50%	12 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
18 Month Certificate (CD)	2.47%	2.50%	18 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
24 Month Certificate (CD)	2.47%	2.50%	24 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
30 Month Certificate (CD)	2.47%	2.50%	30 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
36 Month Certificate (CD)	2.47%	2.50%	36 Mo.
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Rock Valley Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Primary Savings	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Secondary Savings	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Rock Valley Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.47%	2.50%
Min Balance $75,000 Details Balance: $75,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Money Market	1.98%	2.00%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Money Market	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Money Market	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Rock Valley Credit Union Other Rates

Product	Rate	Points	APY/APR
815 Spend	2.96%	-	3.00%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
815 Spend	-	-	3.00%
Min Balance $10,000 Details Qualifications Required: 12 or more debit card purchases each month (excludes ATM withdrawals); Enroll in direct deposit/remote deposit (a minimum of $500 must be directly deposited per month); Enroll in e-statements; You'll also get up to two foreign ATM transactions fees waived per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
IRA	0.50%	-	0.50%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Rock Valley Credit Union’s Texas Ratio rose from 3.96% in Q2 2023 to 5.27% in Q1 2026, so its financial health has held steady at a healthy level 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

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
March 31, 2026	$178M	5.27%	5.0	A+
December 31, 2025	$172M	5.86%	5.0	A+
September 30, 2025	$167M	5.27%	5.0	A+
June 30, 2025	$169M	6.00%	5.0	A
March 31, 2025	$166M	4.41%	5.0	A+
December 31, 2024	$162M	4.43%	5.0	A+
September 30, 2024	$160M	5.01%	5.0	A+
June 30, 2024	$158M	3.64%	5.0	A+
March 31, 2024	$162M	4.50%	5.0	A+
December 31, 2023	$156M	3.81%	5.0	A+
September 30, 2023	$153M	4.50%	5.0	A+
June 30, 2023	$152M	3.96%	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 Rock Valley 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 Rock Valley 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 Rock Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rock Valley Credit Union

Website https://www.rockvalleycreditunion.org/

Address 1201 Clifford Ave, Loves Park, IL 61111

Phone 815-282-0300

Fax 815-877-8201

President David Gill

CEO Darlyne Keller

Full-Time Employees 48

Part-Time Employees 8

Branch Locations 4

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.27%

Return on Assets (ROA)

0.0357%

Return on Equity (ROE)

0.3175%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

178,253,789

Total Amount of Shares and Deposits

157,549,889

Total Shares and Deposits < 1 Year

152,093,953

Total Shares and Deposits 1 3 Years

5,455,936

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

5,757,241

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

5,757,241

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

151,792,648

Total Interest Expense (Sum of items 6 8)

466,170

Share Certificates

1,064

Number of Accounts for Share Drafts

11,186

IRA KEOGH Accounts

275

Number of Accounts for Regular Shares

19,407

All other shares

Money Market Shares

185

Net Income (unless the amount is already included in Undivided Earnings)

63,644

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)

11,639,445

Total Liabilities

158,607,303

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Rock Valley Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Rock Valley Credit Union

How many branches does Rock Valley Credit Union operate?

Rock Valley 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 Rock Valley Credit Union?

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

Does Rock Valley Credit Union offer online and mobile banking?

Most modern institutions like Rock Valley 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.rockvalleycreditunion.org/.