Credit union · NCUA insured
Rivertrust Federal Credit Union
Top CarrotA $168.2M credit union headquartered in Pearl, MS, with 7,647 members and 1 branch in Mississippi. Best rates: CDs 4.06% and savings 0.25% APY.
Rivertrust Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#5 of 26 in Jackson, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rivertrust Federal Credit Union
Rivertrust Federal Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Pearl, Mississippi.
Founded in 1935 as Jackson Miss Telco Employees Federal Credit Union, it was renamed Mississippi Telco Federal Credit Union in 1940 and adopted the Rivertrust name in 2016.
- Headquarters
- 409 Riverwind Dr, Pearl, MS 39208-5917
- NCUA charter
- 473
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, attend school, worship, volunteer, or regularly conduct business in the credit union's outlined trade area are eligible to join.
Employers and groups
- Members of Friends of the Pearl Library who live in Mississippi are eligible to join.
- Members of Friends of the Richland Library who live in Mississippi are eligible to join.
- Employees of participating business organizations and select employee groups within the trade area are eligible for membership.
Family and household
- Family members (spouses, parents, step-parents, children, siblings, grandparents, grandchildren, step-children, step-siblings, and adoptive relationships) and household members of eligible organization employees are eligible for membership.
Branches
1 branch in Mississippi
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Mississippi
1 branch
- RivertrustMain office409 Riverwind Dr, Pearl, MS 39208Directions
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 | 19.27% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $60 | $76 | — |
- CapitalNet worth ratio19.27%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$60Peers’ 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 Rivertrust Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.