Credit union · NCUA insured
Rio Grande Federal Credit Union
A $81.6M credit union headquartered in Grand Junction, CO, with 4,910 members and 1 branch in Colorado. Best rates: CDs 3.65% and savings 0.15% APY.
Rio Grande Federal Credit Union Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#8 of 14 in Grand Junction, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rio Grande Federal Credit Union
Rio Grande Federal Credit Union is a member-owned credit union chartered in 1940 and headquartered in Grand Junction, Colorado.
Operating from Rood Avenue since 2005, it absorbed three predecessor credit unions and adopted a community charter in 2016 serving Mesa County.
- Headquarters
- 760 Rood Ave, Grand Junction, CO 81501-3408
- NCUA charter
- 3963
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to persons who live, work, worship, or attend school in Mesa County, as well as businesses and other legal entities located within Mesa County.
Cost to join
- A $25 minimum deposit to a savings account is required to become a member.
Branches
1 branch in Colorado
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Colorado
1 branch
- Rio Grande FCUMain office760 Rood Ave, Grand Junction, CO 81501Directions
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 | 21.99% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.71% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio21.99%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.71%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ 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 Rio Grande 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.