--- title: "River Valley Credit Union Rates (Nov 2026): CDs to 4.28%" description: "River Valley Credit Union rates today: savings & CDs up to 4.28% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join River Valley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/river-valley" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # River Valley Credit Union Rates (Nov 2026): CDs to 4.28% ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto/Motorcycle Loans (49 - 60 Months)** motorcycle_any_60mo | — APR | 4.800% | 60 mo · any | Standard | | **New & Used Auto/Motorcycle Loans (0 - 48 Months)** motorcycle_any_48mo | — APR | 4.800% | 48 mo · any | Standard | | **New & Used Auto/Motorcycle Loans (61 - 72 Months)** motorcycle_any_72mo | — APR | 4.900% | 72 mo · any | Standard | | **New & Used Auto/Motorcycle Loans (73 - 84 Months)** motorcycle_any_84mo | — APR | 5.050% | 84 mo · any | Standard | | **New & Used Auto/Motorcycle Loans (0 - 36 Months)** motorcycle_any_36mo | — APR | 6.290% | 36 mo · any | Standard | | **New & Used Auto/Motorcycle Loans (37 - 48 Months)** motorcycle_any_48mo | — APR | 6.690% | 48 mo · any | Standard | | **New & Used Recreational Vehicle Loans (0 - 60 Months)** rv_any_60mo | — APR | 7.090% | 60 mo · any | Standard | | **New & Used Recreational Vehicle Loans (61 - 84 Months)** rv_any_84mo | — APR | 8.590% | 84 mo · any | Standard | | **New & Used Recreational Vehicle Loans (85 - 120 Months)** rv_any_120mo | — APR | 10.090% | 120 mo · any | Standard | | **New & Used Recreational Vehicle Loans (61 - 72 Months)** rv_any_72mo | — APR | 10.540% | 72 mo · any | Standard | | **New & Used Recreational Vehicle Loans (121 - 180 Months)** rv_any_180mo | — APR | 11.590% | 180 mo · any | Standard | River Valley Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.750% | — | Context only | | **Home Equity Loans (61 - 120 Months)** heloc_fixed | — APR | 6.240% | — | Context only | | **Home Equity Loans (121 - 180 Months)** heloc_fixed | — APR | 6.990% | — | Context only | | **Home Equity Loans (Variable Rate Effective January 1, 2025*)** heloc_variable | — APR | 7.000% | — | Context only | River Valley Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 9.990% | 12 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 10.490% | 24 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 10.990% | 36 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 12.990% | 60 mo | Standard | River Valley Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 22 offers | Product | Published | Rate | Term / condition | Status | | **$100 Minimum** savings | 0.10% APY | 0.10% | — | Standard | | **Savings ($100+)** share_savings | 0.10% APY | 0.10% | — | Standard | | **Money Market ($5,000–$24,999)** money_market | 1.36% APY | 1.35% | — | Standard | | **Money Market ($25,000+)** money_market | 1.87% APY | 1.85% | — | Standard | | **60-Month Certificate** share_certificate_60mo | 2.32% APY | 2.30% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 2.38% APY | 2.35% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 2.43% APY | 2.40% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 2.68% APY | 2.65% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 2.73% APY | 2.70% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 2.79% APY | 2.75% | 48 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.04% APY | 3.00% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.09% APY | 3.05% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.15% APY | 3.10% | 36 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.51% APY | 3.45% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.56% APY | 3.50% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.61% APY | 3.55% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.13% APY | 4.05% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.18% APY | 4.10% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.18% APY | 4.10% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.23% APY | 4.15% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.23% APY | 4.15% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.28% APY | 4.20% | 12 mo | Standard | River Valley Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.28% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/river-valley) , verified from [River Valley Credit Union's official website](https://rvcu.org/) Loading branch locator… ## About River Valley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.8K Assets $118M Founded 1961 Locations reported 2 NCUA charter 61664 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Greater Iowa** Ames Ops Center · Ames · IA · 50010 About 0.4 miles away](https://rateapi.dev/credit-unions/iowa/greater-iowa) [**Community Choice** Ames · Ames · IA · 50010 About 1.2 miles away](https://rateapi.dev/credit-unions/iowa/community-choice) [**Members1st Community** Ames Branch · Ames · IA · 50010 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/members1st-community) [**Premier** Ames · Ames · IA · 50010 About 1.7 miles away](https://rateapi.dev/credit-unions/iowa/premier) [**Greenstate** Ankeny · Ankeny · IA · 50023-7235 About 21.1 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) [**Veridian** Prairie Trail · Ankeny · IA · 50023 About 21.1 miles away](https://rateapi.dev/credit-unions/iowa/veridian) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join River Valley Credit Union Membership eligibility from River Valley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on River Valley Credit Union's website. Check the membership page below to confirm whether you qualify. - Location story, boone, butler, dallas, franklin, hamilton, hardin, jasper, marion, marshall, polk, warren, webster, wright — IA Verified from [River Valley Credit Union's membership page](https://www.rvcu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for River Valley Credit Union Geography 14 counties · Family 2 30 published paths to membership, last verified August 27, 2026, quoted from River Valley Credit Union’s own published criteria. ### Geography 14 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Boone County, IA - Butler County, IA - Dallas County, IA - Franklin County, IA - Hamilton County, IA - Hardin County, IA - Jasper County, IA - Marion County, IA - Marshall County, IA - Polk County, IA - Story County, IA - Warren County, IA - Webster County, IA - Wright County, IA “Over the decades, RVCU's field of membership has expanded further to include anyone living in or working for a business in Story, Boone, Butler, Dallas, Franklin, Hamilton, Hardin Jasper, Marion, Marshall, Polk, Warren, Webster and Wright counties.” > [source ↗](https://www.rvcu.org/about-us) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “The families of current members are also eligible to join.” > [source ↗](https://www.rvcu.org/about-us/become-a-member) - Family member of a member - Family of a member family “The families of current members are also eligible to join the Credit Union.” > [source ↗](https://www.rvcu.org/about-us) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for River Valley Credit Union? Yes No ## Work at River Valley Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where River Valley Credit Union ranks against Iowa peers. - See which AI assistants fetched River Valley Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=river-valley&state=iowa&code=IA&name=River%20Valley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does River Valley Credit Union offer? River Valley Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are River Valley Credit Union rates updated? RateAPI verifies River Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get River Valley Credit Union's rate data? Rate data is collected directly from River Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is River Valley Credit Union's best CD rate? As of November 12, 2026, River Valley Credit Union offers savings and certificate (CD) yields up to 4.28% APY. ### Who can join River Valley Credit Union? River Valley Credit Union publishes its membership criteria on its own website. RateAPI tracks 30 published membership paths covering 14 counties for River Valley Credit Union, each quoted from River Valley Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare River Valley Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://rvcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track River Valley Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for River Valley Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /river-valley " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## River Valley Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/river-valley Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp