Credit union · NCUA insured
River Valley Community Federal Credit Union
A $64.6M credit union headquartered in Camden, AR, with 6,775 members and 2 branches in Arkansas. Best rates: CDs 3.54% and savings 0.15% APY.
River Valley Community Federal Credit Union Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#3 of 3 in El Dorado, AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About River Valley Community Federal Credit Union
Originally chartered in 1953 as Cullendale Federal Credit Union, the institution changed its name to River Valley Community Federal Credit Union in 1983.
The credit union expanded through mergers with General Dynamics Credit Union and Southwest Arkansas Federal Credit Union.
It serves individuals and businesses across Ouachita, Calhoun, Columbia, Union, and Dallas counties in Arkansas.
- Headquarters
- 340 Cash Rd SW, Camden, AR 71701-3705
- NCUA charter
- 8812
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or have businesses in Ouachita, Calhoun, Columbia, or Dallas county are eligible for membership.
Family and household
- Family of persons who live, work, worship, or have businesses in Ouachita, Calhoun, Columbia, Union, or Dallas county can be members.
Branches
2 branches in Arkansas
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Arkansas
2 branches
Camden area · 1
- River Valley Community FCUMain office340 Cash Rd SW, Camden, AR 71701Directions
El Dorado area · 1
- River Valley Community FCU2416 N West Ave, El Dorado, AR 71730Directions
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 | 13.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.06% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio13.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.06%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ 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 River Valley Community 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.