Credit union · NCUA insured
River Valley Credit Union Savings Rates
Top CarrotRiver Valley Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How River Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
1.01%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
River Valley Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.01%
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
1.01%APY
Membership eligibility requires living, working, worshiping, or attending school in Kent, Montcalm, or Ionia County, Michigan, or being over age 55 with qualifying retirement income. Rates are variable and subject to change monthly as determined by the Board of Directors. Dividends are calculated using the Average Daily Balance method and compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum balance to earn APY is $2,500.00. Dividends are compounded and credited monthly. Calculated using average daily balance method. | 1.01% | — | Minimum balance to earn APY is $2,500.00. Dividends are compounded and credited monthly. Calculated using average daily balance method. |
| $10,000 – $25,000Dividends are compounded and credited monthly. Calculated using average daily balance method. | 1.01% | $101 | Dividends are compounded and credited monthly. Calculated using average daily balance method. |
| $25,000 – $50,000Dividends are compounded and credited monthly. Calculated using average daily balance method. | 2.02% | — | Dividends are compounded and credited monthly. Calculated using average daily balance method. |
| $50,000 – $100,000Dividends are compounded and credited monthly. Calculated using average daily balance method. | 2.02% | — | Dividends are compounded and credited monthly. Calculated using average daily balance method. |
| $100,000 and upDividends are compounded and credited monthly. Calculated using average daily balance method. | 2.75% | — | Dividends are compounded and credited monthly. Calculated using average daily balance method. |
Sources (2)
All captured Sep 18, 2026
Savings Account
0.05%APY
Standard share savings account. Dividends are compounded and credited monthly and calculated using the Average Daily Balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn stated APY is $100.00. Rate may change monthly as determined by the Board of Directors.$100 and up | 0.05% | $5 | Minimum balance to earn stated APY is $100.00. Rate may change monthly as determined by the Board of Directors. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
1.01%APY
Tax-advantaged personal savings account for individuals with a High Deductible Health Plan (HDHP) to pay for qualified out-of-pocket medical expenses. Features no opening fee, no minimum balance requirements to maintain, and Visa debit card access.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$0 minimum opening balance; minimum balance to earn stated APY is $100.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly.$100 and up | 1.01% | $101 | $0 minimum opening balance; minimum balance to earn stated APY is $100.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly. |
Sources (3)
- myrivervalleycu.org/accounts
- myrivervalleycu.org/health-savings-account
- myrivervalleycu.org/wp-content…e-Charges-04-22-2026.pdf
All captured Sep 18, 2026
IRA Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.50% | $50 |
Sources (1)
- myrivervalleycu.org/wp-content…e-Charges-04-22-2026.pdf · captured Sep 18, 2026
Christmas Club
0.05%APY
Entire balance is paid by check or transferred to another account on or after October 1 and the account remains open. Early withdrawal before the end of the club term results in account termination and full balance payout (withdrawals within first 7 days allowed without restriction).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn stated APY is $100.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly.$100 and up | 0.05% | $5 | Minimum balance to earn stated APY is $100.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly. |
Sources (3)
- myrivervalleycu.org/accounts
- myrivervalleycu.org/accounts/savings
- myrivervalleycu.org/wp-content…e-Charges-04-22-2026.pdf
All captured Sep 18, 2026
Thrift T Rex
0.05%APY
Youth savings account designed to encourage financial literacy and savings habits in young savers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn stated APY is $25.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly.$25 and up | 0.05% | $5 | Minimum balance to earn stated APY is $25.00. Dividends calculated via Average Daily Balance method and compounded/credited monthly. |
Sources (3)
- myrivervalleycu.org/accounts
- myrivervalleycu.org/accounts/savings
- myrivervalleycu.org/wp-content…e-Charges-04-22-2026.pdf
All 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
- 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.
Membership information collected October 5, 2026.