Credit union · NCUA insured
RiverFall Credit Union
A $196.9M credit union headquartered in Tuscaloosa, AL, with 14,300 members and 4 branches in Alabama. Best rates: CDs 3.76% and savings 0.75% APY.
RiverFall Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#8 of 16 in Tuscaloosa, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About RiverFall Credit Union
Founded in 1953, RiverFall Credit Union is a member-owned financial institution serving the West Alabama community across Bibb, Fayette, Greene, Hale, Pickens, and Tuscaloosa counties.
- Headquarters
- 2520 6th St, Tuscaloosa, AL 35401-1702
- NCUA charter
- 60942
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, or attend school in Bibb, Fayette, Greene, Hale, Pickens, or Tuscaloosa counties.
Cost to join
- A $5 minimum deposit and minimum balance in a savings account is required for membership.
Branches
4 branches in Alabama
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Alabama
4 branches
Tuscaloosa area · 3
- Main OfficeMain office2520 6th St, Tuscaloosa, AL 35401Directions
- Northport Office1615 McFarland Blvd, Northport, AL 35476Directions
- 69S Office5461 Reese Phifer Ave, Tuscaloosa, AL 35405Directions
Birmingham area · 1
- Centreville901 Birmingham Rd, Suite C, Centreville, AL 35042Directions
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 | 11.95% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.93% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.35% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio11.95%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.93%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.35%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ 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 RiverFall Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.