Credit union · NCUA insured
River Valley Credit Union
Top CarrotA $124.4M credit union headquartered in Ada, MI, with 9,205 members and 3 branches in Michigan. Best rates: CDs 3.66% and savings 1.01% APY.
River Valley Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#9 of 49 in Grand Rapids, MI 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 cooperative founded in 1965 as Amway Employees Credit Union.
Originally established by fourteen Amway employees with a vision of people helping people, it operates branches in Ada, Lowell, and Edmore, Michigan.
- Headquarters
- 7177 Headley St SE, Ada, MI 49301-9900
- NCUA charter
- 62123
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Kent, Montcalm, or Ionia County, Michigan are eligible to join.
Other ways
- Individuals aged 55 or older who receive retirement annuity, pension, Social Security, or similar retirement income and reside in or belong to a retirement organization located in Kent, Montcalm, or Ionia County, Michigan are eligible to join.
Branches
3 branches in Michigan
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Michigan
3 branches
- River Valley Credit UnionMain office7177 Headley St SE, Ada, MI 49301Directions
- Edmore1369 Industrial Park Dr, Edmore, MI 48829Directions
- Lowell2500 W Main St, Lowell, MI 49331Directions
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 | 12.13% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.63% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio12.13%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.63%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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.