Rtn Federal Credit Union

Our records indicate that this credit union has been acquired by MERRIMACK VALLEY.

Headquarters

600 Main St
Waltham, MA 02452
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	4.66% →
1-Year CD	0.70%	4.59% →
2-Year CD	0.75%	4.25% →
5-Year CD	1.10%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Rtn is an NCUA insured institution located in Waltham, MA. It was founded in 1945 and has approximately $1020.68 millions in assets.

Who can join?

Ways to be eligible for membership at RTN Federal Credit Union listed below:

Family Membership – If you are related to someone who is already an RTN FCU member or eligible to be a member of the Credit Union.

Employee Group – If you are employed by, retired from or have a family member that is working for or is retired from one of their employer groups.

Organization Group – If you belong to specific educational and/or fraternal groups — or have a family or household member that does — you are eligible to join.

Affiliation Membership – Membership in any one of these groups listed below qualifies you for membership in RTN FCU. The Credit Union will do all the necessary processing to help you join these groups. Just choose the organization you’re interested in.

Amesbury Carriage Museum, Greater Boston Sickle Cell Disease Association, Inc., Danvers Historical Society, Gore Place, Tewksbury Historical Society, Wakefield Repertory Theatre, Waltham Historical Society


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 24311
Date Established	1945
Assets	$1,020.68 million
Loans	$538.25 million
Deposits	$890.55 million
Capital	$111.45 million

Field of Membership Restrictions

Membership is open to anyone through membership in Amesbury Carriage Museum, Danvers Historical Society, Tewksbury Historical Society, Waltham Historical Society, or Greater Boston Sickle Cell Association. Membership is also open to one of the credit union's Select Employer Groups (not listed on the credit union's site).

Deposit Rates - July 30, 2025

Your Current Location: Mississippi, MS 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.10%	$2,500	$2,999	Learn More Reviews
Money Market	0.10%	$10,000	$14,999	Learn More Reviews
Money Market	0.15%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.04%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.04%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.10%	$1	$499	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$1	$99	Learn MoreShow Less
Int Ckg	0.05%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - July 30, 2025

Your Current Location: Mississippi, MS 10007

There are currently no loan rates available for Rtn

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

Featured - Mississippi 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 447490	6.502%	6.375%	0.88	$4,259	$1,997	Learn More
NMLS ID: 1025894	6.586%	6.490%	0.75	$3,225	$2,021	Learn More
NMLS ID: 613839	6.610%	6.490%	0.63	$3,999	$2,021	Learn More
NMLS ID: 399799	6.626%	6.500%	1.00	$4,348	$2,023	Learn More

See More Mortgage Rates →

Featured - Mississippi Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

See More Home Equity Rates →

Note to Rtn
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Rtn 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:
Brandon,Mississippi

Rtn Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Andover	147.92	A	View Lobby Hours
Fayetteville	268.14	B	View Lobby Hours
Huntsville	340.18	C	View Lobby Hours
Dorchester	344.44	D	View Lobby Hours
Dedham	995.61	E	View Lobby Hours
Hudson	1000.72	F	View Lobby Hours
Portsmouth	1180.48	G	View Lobby Hours
Marlborough	1200.58	H	View Lobby Hours
Taunton	1201.49	I	View Lobby Hours
Hager Pond	1201.51	J	View Lobby Hours
Sudbury	1204.67	K	View Lobby Hours
Artmet Federal Credit Union	1210.55	L	View Lobby Hours
Needham	1211.47	M	View Lobby Hours
Waltham Woods	1212.85	N	View Lobby Hours
Waltham	1213.73	O	View Lobby Hours
Tewksbury	1222.32	P	View Lobby Hours
Woburn	1223.70	Q	View Lobby Hours
Apple Hill	1223.77	R	View Lobby Hours
Lawrence	1230.81	S	View Lobby Hours
Danvers	1232.73	T	View Lobby Hours
Amesbury	1246.63	U	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

RTN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Rtn Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Rtn. 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

Rtn	U.S. Average
4.76%	6.86

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 March 31, 2025, Rtn had $4,950,178 in non-current loans and $451,051 in owned assets. To cover these potential losses it had $111,446,221 in net worth and $1,916,247 in loans loss reserves. That gives it a Texas Ratio of 4.76%.

Net Worth

Rtn	U.S. Average
10.9%	14.12%

Rtn FCU has a net worth of 10.9% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Rtn

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