Credit union · NCUA insured
River Valley Credit Union
A $118M credit union headquartered in Ames, IA, with 6,771 members and 2 branches in Iowa. Best rates: CDs 3.87% and savings 1.36% APY.
River Valley Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#10 of 20 in Ames, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About River Valley Credit Union
River Valley Credit Union is a member-owned financial cooperative headquartered in Ames, Iowa, first opened in October 1961.
Originally formed by National Animal Disease Laboratory employees, the credit union adopted the River Valley Credit Union name in 1980.
It serves people who live or work across 14 Iowa counties, including Story, Boone, and Polk counties.
- Headquarters
- 2811 E 13th St, Ames, IA 50010
- NCUA charter
- 61664
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone living in or working for a business in Story, Boone, Butler, Dallas, Franklin, Hamilton, Hardin Jasper, Marion, Marshall, Polk, Warren, Webster and Wright counties is eligible to join.
Family and household
- The families of current members are eligible to join the Credit Union.
Branches
2 branches in Iowa
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Iowa
2 branches
- River Valley Credit UnionMain office2811 E 13th St, Ames, IA 50010Directions
- River Valley Credit Union1400 Fawcett Pkwy, Suite F, Nevada, IA 50201Directions
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 | 11.43% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $62 | $76 | — |
- CapitalNet worth ratio11.43%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$62Peers’ 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.