RIVER COMMUNITY

Headquarters

644 W 2ND STREET
Ottumwa, IA 52501
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.60% →
1-Year CD 1.50% 1.55% →
2-Year CD 1.75% 2.65% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

River Community is an NCUA insured institution located in Ottumwa, IA. It was founded in 1928 and has approximately $18.26 millions in assets.

NCUA Insured Yes
Charter Number # # 64986
Date Established 1928
Assets $18.26 million
Loans $16.36 million
Deposits $15.15 million
Capital $2.91 million
 

Deposit Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $100 - Learn More
Money Market
0.45% $2,500 $15,000 Learn More
Money Market
0.75% $25,001 $49,000 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.90% $10,000 - Learn More
12 Mo CD
1.50% $10,000 - Learn More
24 Mo CD
1.75% $10,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
1.25% $100 - Learn MoreShow Less

Loan Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RIVER COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to RIVER COMMUNITY
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Branches

Below are River Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


River Community Locations


Financial Details

River Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of River Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
River Community U.S. Average
4.50% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, River Community had $108,682 in non-current loans and $25,000 in owned assets. To cover these potential losses it had $2,908,765 in net worth and $64,454 in loans loss reserves. That gives it a Texas Ratio of 4.50%.

Net Worth
River Community U.S. Average
15.92% 13.86%

River Community FCU has a net worth of 15.92% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About River Community

Branches and Savings

What is River Community?

A federal credit union, registered with the NCUA under certificate #64986.
Learn more about credit unions here.

Is River Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join River Community?

Please see Field of Membership information above for information on who is eligible to join.

What are River Community's share account and share certificate rates?

River Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is River Community?

River Community has total capital of $2.91 million. Full information on River Community's financial position is located above.

Who owns River Community?

Credit Unions are owned by their members.

Where are River Community branches located?

See branch locations nearby.

Are River Community ATMs Open 24/7?

Do River Community ATMs accept cash deposits?

Can River Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does River Community have a mobile app?

Does River Community have mobile deposit?

Does River Community have quick pay?

How can River Community transfer money to other banks or credit unions?

Does River Community report to credit bureaus?

Does River Community use Chexsystems?

Does River Community use Equifax?

What is River Community's toll free phone number?

What is River Community's ACH Routing Number?

What is River Community's SWIFT code?

Where can I find River Community's wire transfer form?

What is the River Community address for deposits?

What Products Does River Community Offer

Does River Community offer mortgages?

Compare mortgage rates here.

Does River Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does River Community offer auto and RV loans?

Compare auto loan rates here.

Does River Community offer student loans or personal loans?

Compare personal loan rates here.

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