Credit union · NCUA insured
River Community CU Savings Rates
River Community CU’s best savings rate is 0.75% APY on $10,000, with its River Community CU Money Market. Rates checked October 5, 2026.
How River Community CU’s savings rates compare
Compared with banks and credit unions near Ottumwa, IA, where River Community CU has the most branches. $10,000, best rate first.
This credit union’s best
River Community CU
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
River Community CU Money Market
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Iowa State Bank
2.02%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $202
River Community CU savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.15%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where River Community CU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
River Community CU Money Market
Up to 0.75%APY
Minimum deposit of $2,500.00 to open; Funds can be withdrawn at any time without penalty.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $15,000Balance tier: Up to $15,000. | 0.75% | $75 | Balance tier: Up to $15,000. |
| $2,500 – $15,000Balance tier: Up to $15,000.00; Minimum deposit of $2,500.00 to open. | 0.30% | $30 | Balance tier: Up to $15,000.00; Minimum deposit of $2,500.00 to open. |
| $15,001 – $25,000Balance tier: $15,001 TO $25,000. | 0.85% | — | Balance tier: $15,001 TO $25,000. |
| $15,001 – $25,000Balance tier: $15,001.00-$25,000.00; Minimum deposit of $2,500.00 to open. | 0.40% | — | Balance tier: $15,001.00-$25,000.00; Minimum deposit of $2,500.00 to open. |
| $25,001 – $50,000Balance tier: $25,001 TO $50,000. | 0.95% | — | Balance tier: $25,001 TO $50,000. |
| $25,001 – $49,000Balance tier: $25,001.00 -$49,000.00; Minimum deposit of $2,500.00 to open. | 0.45% | — | Balance tier: $25,001.00 -$49,000.00; Minimum deposit of $2,500.00 to open. |
| $50,001 – $100,000Balance tier: $50,001 TO $100,000. | 1.15% | — | Balance tier: $50,001 TO $100,000. |
| $50,001 and upBalance tier: $50,001.00 and up; Minimum deposit of $2,500.00 to open. | 0.50% | — | Balance tier: $50,001.00 and up; Minimum deposit of $2,500.00 to open. |
| $100,001 and upBalance tier: $100,001 AND UP. | 1.40% | — | Balance tier: $100,001 AND UP. |
Sources (4)
- rivercommunitycu.org/savings
- rivercommunitycu.org/money-market
- rivercommunitycu.org/money-market-1
- rivercommunitycu.org/s/Rates-01022026.pdf
All captured Sep 18, 2026
Basic Share
Up to 0.35%APY
Must be a member of River Community Credit Union ($5 minimum balance required to be a member).
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and up$5.00 to open, $100.00 balance to earn APY.$100 and up · $5 to open | 0.35% | $5 | $35 | $5.00 to open, $100.00 balance to earn APY. |
| $100 and upAverage balance of $100 or more to earn APY.$100 and up · Unknown to open | 0.15% | Unknown | $15 | Average balance of $100 or more to earn APY. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Kirby Club
Up to 0.50%APY
For children under age 18 (children 12 and younger receive mail periodically, contests/drawings; $1.00 per 'A' up to 5 on report card).
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upMust be under age 18. Average balance of $100 or more to earn APY.$100 and up · Unknown to open | 0.50% | Unknown | $50 | Must be under age 18. Average balance of $100 or more to earn APY. |
| $100 and up$5.00 to open, $100.00 balance to earn APY.$100 and up · $5 to open | 0.30% | $5 | $30 | $5.00 to open, $100.00 balance to earn APY. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.30%APY
Funds transferred to account or paid in November. Dividends paid monthly. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage balance of $100 or more to earn APY.$100 and up | 0.30% | $30 | Average balance of $100 or more to earn APY. |
Sources (2)
All captured Sep 18, 2026
Status One
0.30%APY
For youth from 13 years old until they reach 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 to open, $100.00 balance to earn APY.$100 and up | 0.30% | $30 | $5.00 to open, $100.00 balance to earn APY. |
Sources (1)
- rivercommunitycu.org/savings · captured Sep 18, 2026
Who can join River Community CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.