Credit union · Privately insured
River Valley Credit Union Savings Rates
Top CarrotRiver Valley Credit Union’s best savings rate is 2.50% 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 Dayton, OH, where River Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Valley Credit Union
2.50%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $250
Money Market
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
River Valley Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.60%
- QualifiedQualified2.50%
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
2.50%APY
Membership eligibility is open to those who live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties. Dividends are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Base tier. Dividends compounded monthly. | 0.02% | — | Base tier. Dividends compounded monthly. |
| $2,500 – $9,999Tier 1. Dividends compounded monthly. | 2.40% | — | Tier 1. Dividends compounded monthly. |
| $10,000 – $24,999Tier 2. Dividends compounded monthly. | 2.50% | $250 | Tier 2. Dividends compounded monthly. |
| $25,000 – $49,999Tier 3. Dividends compounded monthly. | 2.55% | — | Tier 3. Dividends compounded monthly. |
| $50,000 – $249,999Tier 4. Dividends compounded monthly. | 2.60% | — | Tier 4. Dividends compounded monthly. |
| $250,000 and upTier 5. Dividends compounded monthly. | 2.65% | — | Tier 5. Dividends compounded monthly. |
Primary Savings
0.02%APY
Required for membership. Membership eligibility: live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties. No monthly fees or minimum balance to maximize savings growth.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.02% | $2 | Dividends compounded quarterly. |
Sources (3)
All captured Oct 6, 2026
Secondary Savings
0.02%APY
Can be opened online through Online Banking under \"New Accounts\".
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.02% | $2 | Dividends compounded quarterly. |
Special-purpose accounts
IRA Savings
2.00%APY
Available as Traditional IRA, Roth IRA, or SEP IRA. Membership eligibility: live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 2.00% | $200 | Dividends compounded quarterly. |
Sources (3)
All captured Oct 6, 2026
Health Savings Account (HSA)
0.10%APY
Pair with a high-deductible health plan to save pre-tax dollars for qualified medical expenses. Membership eligibility: live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $499Dividends compounded monthly. | 0.02% | — | Dividends compounded monthly. |
| $500 and upDividends compounded monthly. | 0.10% | $10 | Dividends compounded monthly. |
Sources (3)
All captured Oct 6, 2026
Christmas Savings
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.02% | $2 | Dividends compounded quarterly. |
Sources (1)
- rivervalleycu.org/rates · captured Oct 6, 2026
Vacation Club Savings
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.02% | $2 | Dividends compounded quarterly. |
Sources (1)
- rivervalleycu.org/rates · captured Oct 6, 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
- You can join if you live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties.
Membership information collected October 5, 2026.