River Community

644 W 2nd Street, Ottumwa, IA 52501

NCUA Insured4.6 (10 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1928

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Ottumwa, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1928

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

644 W 2nd Street

Ottumwa, IA 52501

Google Maps 🗺Waze

(641) 684-6302

Service Area

This credit union is located in Ottumwa and serves members in the IA area. Currently serving 3,651 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.75%

Used Auto Loan

5.75%

Personal Loan

11.50%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

10 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Hailey And Nathan

3 years ago

My husband and I were stranded out of state with very little money left in our bank account after being wrongfully charged hundreds of dollars. When we called RCCU, they worked extremely hard and we were able to get our refund back after a few short hours, even though it was supposed to take 5-7 business days. Extremely thankful for these amazing people!

nick buffington

4 years ago

I got a loan from them and they ripped me off by charging me extra. It was a 48 month loan and I paid for 54 months to find out I still owed $3k . I never missed a payment, they said the computer system charged me and they could only take off 1k . I will never be doing business with them again

ANTOLLYNY GARCIA

5 years ago

shout out to Krystal Martin she is the best loan officer out there, if you are looking for a loan please go see her i promise you she would take care of you . Thanks Krystal I really appreciate your help God Bless you !

Qrow Cosplay

4 years ago

One of those small time banks that know their customer names. I've been banking with them for years and will cont to bank with them the staff are very friendly and sweet. Just your small town style bank