Savings & Investments

Share Draft Accounts


Virtual Branch

Access your RVCU accounts via the internet 24 hours a day, seven days a week. With Virtual Branch you can:


  • Make transfers between accounts or to loans
  • View your FREE checking activity
  • View your cleared check images
  • Download account history
  • Access Online Bill Payment Service "IPAY"
  • View recent statements and statement inserts
  • Apply online for personal loans and credit cards
  • Set up regular scheduled transfers
  • Set up E-mail alerts to notify you of account information

FREE CHECKING

No minimum balance requirements
No monthly fees
No per-check clearing charges
PLUS get your first box of checks FREE when you
open an account
Free Check(Debit) Card (some fees may apply after 8 ATM transactions per month)


SAVINGS ACCOUNTS

Competitive dividend rates and no minimum balance requirements make saving easy with a regular or holiday savings account.


SHARE CERTIFICATES

Choose from 6-month, 12-month or 24-month options-with higher dividend rates than traditional savings accounts on your deposit-designed for the longer-term saver.


MONEY MARKET SHARE ACCOUNTS

Make transfers and withdrawals, but maintain a $5000 minimum balance. Receive higher dividends than on a regular savings account.


ATM AND DEBIT CARDS

Get convenience and flexibility with either an RVCU ATM card or a VISA Check (Debit) Card.


DIRECT DEPOSIT/ PREAUTHORIZED PAYMENTS (ACH)/ PAYROLL DEDUCTIONS

If you work for a participating employer, you can have your paycheck direct deposited to your RVCU account on payday! We can also receive direct deposits of annuity, VA, or Social Security checks.

Recurring payments, such as life insurance and phone bills may be taken from your account automatically each month. This is another FREE service!

RVCU can also set up automatic in-house transfers to cover your loan payments or to encourage saving.


SAFE DEPOSIT BOXES

Get safety and security for your valuables and important documents with a safe deposit box at RVCU. Our annual rental rates are competitive, and we offer both 3-inch by 10-inch and 5-inch by 10-inch sizes to meet member needs.


24-HOUR AUDIO RESPONSE TELLERLINE

Check account balances, make transfers, monitor cleared checks, and more via touch-tone telephone with a secure Personal Identification Number (PIN). Contact us to set up your PIN.


OTHER FINANCIAL PRODUCTS AND SERVICES - GROUP DISCOUNTS

River Valley Credit Union also provides a variety of insurance products at group-discounted rates, financial planning and education services, and finance-related investment services such as IRA's, mutual funds, and stocks. To access our Members Financial Services Center, just click on the My Financial Services tab located on the left side menu of our website.


SAFETY AND SECURITY

All RVCU savings accounts are federally insured to at least $250,000 per account by the National Credit Union Administration (NCUA), an agency of the federal government.