Credit union · NCUA insured
East River Federal Credit Union
A $41.6M credit union headquartered in Madison, SD, with 3,128 members and 1 branch in South Dakota.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: published rates need another account or activity, so they are not scored. Credit cards: no rates found on its website.
- CDs—3.04%CD rates →
- Savings—0.25%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About East River Federal Credit Union
- Headquarters
- 220 S Harth Ave, Madison, SD 57042-2916
- NCUA charter
- 11353
Branches
1 branch in South Dakota
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South Dakota
1 branch
- East River FCUMain office220 S Harth Ave, Madison, SD 57042Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio11.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of East River Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.