Credit union · NCUA insured
River Valley Credit Union Savings Rates
River Valley Credit Union’s best savings rate is 1.36% APY on $10,000, with its Money Market Share Accounts. Rates checked October 16, 2026.
How River Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Ames, IA, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
1.36%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $136
Money Market Share Accounts
Top rate
Central State Bank
2.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $250
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
River Valley Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.36%
- $100,000 balance$100,0001.87%
- QualifiedQualified1.36%
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 Valley Credit Union 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.
Money Market Share Accounts
1.36%APY
Must maintain a $5,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $24,999 | 1.36% | $136 |
| $25,000 and up | 1.87% | — |
Sources (2)
All captured Sep 18, 2026
Escrow Share Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- rvcu.org/savings-services/savings-rates · captured Sep 18, 2026
Member Share
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- rvcu.org/savings-services/savings-rates · captured Sep 18, 2026
Regular Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA
1.36%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 1.36% | $136 |
Sources (1)
- rvcu.org/savings-services/savings-rates · captured Sep 18, 2026
Christmas Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- rvcu.org/savings-services/savings-rates · captured Sep 18, 2026
Who can join River Valley Credit Union
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.
Membership information collected October 4, 2026.