River Valley

PO Box 493, Ada, MI 49301

NCUA Insured4.9 (794 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1965

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 Ada, MI 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 1965

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

PO Box 493

Ada, MI 49301

Google Maps 🗺Waze

(616) 787-7481

Service Area

This credit union is located in Ada and serves members in the MI area. Currently serving 9,324 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

4.75%

Used Auto Loan

5.00%

Personal Loan

12.99%

Credit Card APR

7.50%

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 MI

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

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

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

Branches & Locations(3 total)

Member Reviews

4.9

794 Google reviews

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

View on Google Maps

Erica Westbrooks-Jemison

3 months ago

We had a wonderful experience working with Misty from River Valley Credit Union. She was very knowledgeable and informative. My husband and I really appreciated the different scenarios that she had given us to make the best financial decision. Misty was very helpful. We would definitely work with RVCU again. Thank you. Erica W.

Matthew Maatman

3 months ago

Everyone at River Valley Credit Union has been a pleasure to deal with. They were prompt with all my needs and questions. Highly recommend for all banking needs.

Lee Limbeck

2 weeks ago

Jessica saved me from be taken advantage of by a car dealership. Best interest rate available.. I cannot say enough good things about my experience with River Valley Credit Union.

Tammy Brown

4 months ago

River Valley Credit Union is a trusted institution offering a full range of financial services, including loans and checking accounts. Am always happy with their service. I would refer them to anyone!

Logan Phillips

9 months ago

I had an excellent experience with the loan department! Even though I didn’t have a co-signer, they worked with me to find the best option and made the whole process smooth and stress-free. The staff was professional, patient, and truly went above and beyond to help me get approved. It took me a month to find and purchase a car, and they helped from day 1. I really appreciate the great service and highly recommend this credit union for anyone looking for a loan!