Credit union · Privately insured
River Valley Credit Union
Top CarrotA $497.3M credit union headquartered in Miamisburg, OH, with 26,771 members and 6 branches in Ohio. Best rates: CDs 4.25% and savings 2.50% APY.
River Valley Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#3 of 28 in Dayton, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About River Valley Credit Union
River Valley Credit Union has served the Miami Valley as a credit union since 1949.
Membership is open to individuals who live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties in Ohio.
- Headquarters
- 505 Earl Blvd, Miamisburg, OH 45342
- NCUA charter
- 97109
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This may be incomplete or out of date, so check with the credit union before you apply.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
- You can join if you live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties.
Branches
6 branches in Ohio
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Ohio
6 branches
Dayton area · 5
- Beavercreek Branch3927 Indian Ripple Rd, Dayton, OH 45440Directions
- Dayton Branch1030 N Main St, Dayton, OH 45405Directions
- Huber Heights Branch6595 Brandt Pike, Huber Heights, OH 45424Directions
- Alex Loan Center2098 S Alex Rd, West Carrollton, OH 45449Directions
- West Carrollton Branch2094 S Alex Rd, West Carrollton, OH 45449Directions
Cincinnati area · 1
- Springboro Branch25 W Central Ave, Springboro, OH 45066Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio12.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.