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If you think your debit card has been lost or stolen (or that you’ve been a victim of fraud),
please  report it immediately using the information below.

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Today’s Rates and Financial Calculator

Simplify your finances and plan for your future — one of our handy calculators below can assist you.

Calculate your rates now

mortgages Mortgages

As low as

*6.625%

APR

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mortgages Auto Loans

As low as

*4.60%

APR

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mortgages Certificates

Up to

*5.12%

APR

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mortgages Home Equity Line of Credit

As low as

*8.25%

APR

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*Rate dependent on several factors, the rate shown will not apply to every loan. Rates can vary based on other criteria.

Routing Number

The routing number for Riverview Credit Union is 244280107

Anatomy Of A Check

Forms and applications – Any form you need

ACH Member Request

Consumer Loan Checklist

Debit Card Application

Direct Deposit Form

Mortgage Loan Checklist

Wire Instructions


Fee schedule

All Riverview Credit Union Fees (Not applicable for all accounts)
PDF will be attached to see all fees (updated monthly)

Need additional help? Check out our FAQ’s

Select any FAQs Topic:

Checking FAQs

Can a minor have a checking account?

To open a checking account for a member, the minor must be eligible for membership and have at least one adult joint owner. The minor must be at least 13 years of age with a valid government issued ID.

Does Riverview offer different types of checking accounts?

Yes, Riverview offers several different types of checking accounts to fit your individual needs. Whether you like rewards, earning interest, or a no-frills type of account, we have you covered.

Is there a minimum deposit to open a checking account?

No, Riverview checking accounts do not require a minimum deposit to open. However, certain checking accounts do have qualification requirements to earn the benefits.

What are the different types of checking accounts?

Simple Checking: Our simple checking has no frills but meets your basic checking needs! This checking has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, e-statements, direct deposit, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass. 

Real Rewards Checking: Our real rewards checking account is perfect for those who want to earn cash back on their debit card purchases! This account allows you to earn up to $7.50 on debit card point of sale purchases and receive a refund up to $25.00 of non-RCU ATM fees. To qualify, you must meet the qualification requirements monthly: a minimum direct deposit of $500 once a month, minimum of 15 debit card purchases, and be enrolled in e-statements. This checking also has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass.

Platinum Checking: Our platinum checking account is top tier for earning interest on your checking balances. This account allows you to earn up to 4% on checking balance up to $25,000.00 and receive a refund up to $25.00 of non-RCU ATM fees. Balances over $25,00.01 will earn a flat rate of 1%. To qualify, you must meet the qualification requirements monthly: a daily balance of $10,000 aggregated balance in your membership accounts, a minimum direct deposit of $500 once a month, minimum of 15 debit card purchases, and be enrolled in e-statements. This checking also has no minimum balance, and access to mobile banking, online banking, bill pay, overdraft transfer protection, overdraft privilege, mobile deposit, surcharge free ATM’s, Apple Pay, Samsung Pay, Google Pay, Microsoft Pay, and Masterpass. This account qualifies for complimentary cashier’s checks and money orders, waived stop payment fees and incoming wires, and better rates for loans and share certificates.

Debit FAQs

Can I use my Riverview Federal Debit Card with a mobile wallet?

Yes. You can securely store your Riverview Debit Card to make purchases at a store with your mobile device or online using Apple PayGoogle Pay,  Masterpass or Samsung Pay. Prior to setting up and using the card in your digital wallet, you must call or visit one of our branches to request mobile wallet service on your debit card, as a safety precaution. 

Does Riverview Federal Credit Union offer credit cards?

Yes, Riverview does offer credit card services through a third-party service, Elan. You can apply for one of our credit cards online or by coming into a branch and working with one of our Member Solutions Officers. They can walk you through the credit cards we offer and find one that best fits your needs. Click here to find out more about Riverview’s credit card options.

How can I change my PIN?

If you’d like to set a new PIN, you can do so by calling a branch or stopping by your local office. 

How do I activate my debit card?

Debit cards can be easily activated by giving us a call at 740-423-4260 or 740-374-4266 or calling the number located on the sticker on the front of your card.

How do I lock/unlock my card?

If you temporarily misplace your debit card, lock the card while you locate it. To activate, sign in to digital banking, select your debit card and click “Card Controls,” and toggle ‘active’ switch to locked. Once you’ve found your card, unlock it just as easily.

Locking your card isn’t a notification that your card is lost or stolen, or that there have been unauthorized transactions on your account. It’s simply a way to confirm no transactions can be made until you find your card. If your card is lost or stolen, or if you notice unauthorized transactions, please call one of our offices immediately, or the number on the back of your card.

How do I make my monthly Credit Card payment?

You can make payments through your Riverview membership by calling a branch or stopping in your nearest location. You can also make payments online through the ELAN website.

How do I report fraud on my account?

If a transaction was posted to your account that you didn’t authorize, nor benefit from, it’s considered fraud and should be reported as such. You can report unauthorized transactions and fraud by calling one of our offices or stopping into your local branch to complete dispute paperwork. For a list of contact numbers click here.

I can’t find my debit card. How do I get a new one?

If you’ve misplaced your card, you can lock it while you locate it. Locking a card isn’t a notification that your card is lost or stolen, or that there have been unauthorized transactions on your account. It’s a simple way to confirm no transactions can be made until you find your card. 

If you are unable to locate your card, please go to your nearest branch, and complete a debit card order form to replace the lost card. 

Is my card safe when using a digital wallet?

Yes. When you use a mobile wallet, your Riverview Debit Card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device. 

My debit card is expiring. How and when do I get a renewed card?

Riverview Federal Credit Union will automatically mail you a new debit card to your address of record before your current card expires. Please be sure that your address is up to date by signing in to the Riverview app or through our website.

The date of delivery depends on the postal service in your area.

What are transaction notifications and how can I set them up?

Automatic transaction notifications are a great way to stay in the loop and protect your account. Sign up to receive alerts about things like debit card transactions or recurring payments. To set them up, sign in to your online account, click the “Card Controls,” then edit activity alert settings. Here you can customize your alerts and turn them on or off.

What should I do before traveling to safeguard my debit card?

If you plan on traveling, please call a branch, or stop by your local office and inform staff of your plans at least 2 days prior to your trip. This ensures we can place travel strategies on your card, so you can continue to utilize your cards on your trip. 

Will my PIN change with a renewed debit card?

If you received a new debit card because your prior card expired, the PIN will stay the same. However, if you had to order a new card due to fraud/lost/stolen/etc. then you will need to set a new PIN. You can do so by visiting a branch or by calling one of our offices at 740-423-4260 or 740-374-4266 or the number on the back of your card.

Home Equity Loan FAQs

Can I make additional principal payments on a HELOC?

Yes. You can make additional principal payments once your current monthly payment has been satisfied.

Do I have to pay closing costs on a fixed rate home equity loan or a home equity line of credit?

Riverview will pay for all closing costs on a HELOC. You, as the borrower, would pay closing costs on a Home Equity fixed rate loan. 

How does a HELOC work?

A HELOC is a line of credit secured by your home. As with a credit card, you can borrow as needed up to an approved credit limit. A HELOC’s term includes a draw period, followed by a repayment period. At Riverview, you can draw (or borrow) money for 10 years. Interest will accrue on what has been borrowed. Your monthly payment is interest only, but we encourage you to pay towards the principal as often as possible to avoid a large balloon payment at the end of the 10-year draw period. 

How long does it take to get a home equity loan/line of credit?

Processing times are currently estimated to take up to 45 calendar days to close on a new home equity loan or home equity line of credit (HELOC) once we receive your application. Processing times may vary if an appraisal or additional documentation is needed.

How soon will I get my money once the home equity loan or line of credit closes?

If the property used to secure your equity loan or line of credit is your primary residence, there’s a 3-business-day waiting period after closing (you can change your mind and cancel your loan during this time). Your funds or line of credit will be available after the 3-day period ends. The 3-day waiting period doesn’t apply for investment properties and second homes.

What information will I need to apply for a home equity loan or line of credit?

The easiest way to apply is by going to our website or mobile and completing the online application. Once your application is received, have these documents on hand in case your Processor requests them:

  • Most recent 30 days of paystubs
  • Retirement statements (e.g., Social Security Awards letter)
  • Proof of homeowners insurance
  • 2 years of W-2’s
  • Copy of your deed 

Additional documentation may be required if you’re self-employed. This is not an exhaustive list of documentation that may be requested.

What repayment terms are available on a Fixed-Rate Equity Loan?

Riverview offers Fixed-Rate Equity Loans with 5-, 7-, 10- and 15-year repayment terms. 

What’s home equity?

Home equity is the difference between how much you owe on your mortgage and how much your home is worth. You can build equity as you pay down your loan balance and as the market value of your home increases. Riverview has home equity loan options that could help you to use your home’s equity to help you pay for life’s big expenses.

What’s the difference between a Fixed-Rate Equity Loan and a Home Equity Line of Credit (HELOC)?

With a Fixed-Rate Equity Loan, you receive the money you’re borrowing in a single payment, and the interest rate stays the same for the life of the loan. With a HELOC, you have the ability to borrow money whenever you need it up to your maximum credit limit. Unlike Fixed-Rate Equity Loans, HELOCs have variable interest rates.

IRA FAQs

Can I convert a Traditional IRA to a Roth IRA?

Yes, but when you convert a traditional IRA to a Roth, you’ll owe taxes on any money in the traditional IRA that would have been taxed when you withdrew it. That includes the tax-deductible contributions you made to the account as well as the tax-deferred earnings that have built up over the years. That money will be taxed as income for the year you make the conversion. Please consult a tax professional to see if this option is right for you.

How do I add or change the beneficiary(ies) on my IRA?

You can add or change your beneficiaries by visiting one of our offices and completing and submitting a Designation of Beneficiary Form.

How much can I contribute to an IRA?

IRA contributions vary each year. For further information on contribution limits visit Internal Revenue Service (irs.gov) website. 

If I contribute to a 401(k), 403(b) or another employer-sponsored plan, can I also contribute to an IRA?

Yes, if you’re currently investing in a 401(k) or another employer-sponsored plan, you’re still eligible to open and contribute to an IRA.

What’s a Coverdell IRA?

A Coverdell IRA is an IRA that allows individuals to save for their child’s education. 

What’s an IRA?

An IRA is an individual retirement arrangement that may provide tax advantages for you to save for retirement. Riverview offers 3 different types of IRA plans: Traditional IRA, Roth IRA and Coverdell ESA. 

What’s the difference between a Traditional IRA and a Roth IRA?

A Traditional IRA is a potentially tax-deferred plan. Depending on your income, a Traditional IRA may allow you to make tax-free contributions now and pay taxes on your withdrawals when you retire. A Roth IRA is a plan that allows you to pay taxes now and make tax-free withdrawals later. While almost anyone with earned income can contribute to a traditional IRA, there are income limits for contributing to a Roth IRA.

When can I withdraw money from my IRA account?

You can take money out of an IRA whenever you want, but if you’re under the age of 59½, there may be some penalties. If you withdraw money from a Traditional IRA, you may be faced with a 10% penalty on the amount you withdraw. If you withdraw from a Roth IRA, you have some flexibility. You may withdraw your contributions to a Roth penalty-free at any time for any reason, as long as you don’t withdraw any earnings on your investments (as opposed to the amount you put in) or dollars converted from a traditional IRA before age 59½. It’s always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.

Joint Ownership FAQs

Are joint owners considered members of Riverview?

No. A joint owner shares access to your account but isn’t necessarily a member of Riverview. To become a member, you or one of your family or household members must meet our membership requirements.

How do I add a joint owner to my account?

If you’re opening your membership with a joint owner or co-applicant, they must be present during the enrollment process in order to validate their identity. If they’re not available, you can initially open your account as an individual and then request to add them later.

What are Riverview’s membership requirements?

Membership is available to all who:

  • Live, Work, Worship, Family of a current member, or attend School in any of the following counties:
    • Ohio: Washington, Noble, Morgan, or Monroe
    • West Virginia: Wood, Pleasants, Ritchie, Wirt, or Jackson

Membership is available to all Business/Organizations if:

  • The business/organization is located or maintains a physical presence within our 9-county field of membership: or
  • All the owners/principals/authorized signers who will be on the membership are current Riverview members in good standing. 

What does joint ownership with survivorship mean?

If one of the owners of the account dies, the remaining owner will inherit the deceased party’s share. Without survivorship, the membership passes to the estate or heirs. 

Mobile Banking FAQs

Does Riverview offer mobile banking?

  • Yes, we do! Riverview offers fast, free, and secure service for members enrolled in online banking. You can utilize your mobile browser or download our app for iPhone or Android. 

Does Riverview offer remote deposit capture for checks?

Yes, we do! Follow these steps to deposit your checks;

  1. Open the app on your device and select “Deposit Check” menu option at the bottom
  2. Select “New Deposit”
  3. Choose your deposit account
  4. Enter check amount, click the green question mark circle to view remote deposit limits 
  5. Click continue
  6. Endorse your check with “For Mobile Deposit Only at Riverview Credit Union” and sign your name
  7. Take a photo of front of check
  8. Click next
  9. Take a photo of back of check
  10. Click next
  11. Click submit
  12. Enter the check amount and select the account to be deposited to

Note: Your endorsement on the back of the check must include the words “For Mobile Deposit Only at Riverview CU” in order for it to be accepted for deposit.

  • Please retain the check for at least 30 Days.
  • *Wireless carrier data rates may apply.

Mortgage Loan FAQs

Can I be approved for a higher loan amount?

Your credit score, income and existing debts directly affect how much you qualify to borrow.

Can I pay extra toward the principal on my loan?

Yes, you can pay extra toward the principal on your loan as long as your mortgage or fixed-equity loan payments are up to date. In order to apply a payment directly to the principal please come to one of our offices. 

Can I refinance my mortgage if my original loan isn’t with Riverview?

Yes. You can refinance your mortgage with Riverview, even if the current mortgage is with another financial institution. 

Do I need a down payment?

Not always. Many of our mortgage loans are available to qualified applicants with no down payment or little down payment required.

Does Riverview have a first-time buyer program?

No, Riverview doesn’t have a first-time homebuyer program, but we do offer loan products with no down payment and no PMI that make buying a home more affordable for first-time homebuyers.

Does Riverview offer construction loans?

No, Riverview doesn’t offer funding for new construction. However, once construction is complete, you can refinance your funding into a mortgage loan with Riverview.

How do I get a prequalification letter?

After you apply for a loan, a Member Solutions Officer will review your application. Have the following documents and information for all borrowers so you’ll have them ready for the verification process.

  • W-2 forms for the last 2 years
  • Pay stubs for the last 1-3 months
  • Personal tax returns for the last 2 years
  • Social Security number
  • Monthly debt and living expenses
  • Two months of bank statements for financial institutions not with Riverview

How do I pay off my mortgage?

To pay off your mortgage, simply request a payoff quote. A payoff quote will capture the full balance due to pay off your loan. It’s important to get a payoff quote, as the principal balance of your account is different than your full payoff amount due to interest calculations, any outstanding fees and the recording fee collected to release the lien.

How long does it take to get a mortgage?

It typically takes 45-60 calendar days to close on your mortgage once you’ve submitted all required paperwork and documents. However, closing times vary based on many factors, so check with your Member Solutions Officer to better understand when you can expect to close.

How long is my prequalification letter good for?

Your prequalification letter is good for 90 days. If you are not able to find a home within that timeframe, we encourage you to reapply.

I made a payment, but my balance only decreased a fraction of the amount. Why is that?

Your monthly payment is divided and applied to both your principal balance and your interest. As your loan matures, the amount of each payment applied toward the principal balance will increase, and the amount of each payment applied to interest will decrease. 

What are discount points?

Discount points are optional fees you can pay directly to Riverview at closing in exchange for a reduced interest rate. One point is equal to 1% of the total loan amount. Depending on how long you plan to be in your home, it might make sense to pay these points and obtain a lower rate.

What are the steps to get a mortgage?

  1. Prequalification
    Even before you start looking at homes, the first step in the mortgage process is getting a prequalification letter from a lender, which provides documentation of how much money you’re eligible to borrow.
  2. Home Search
    Once you have your prequalification letter, work with your real estate agent to find a home. After you’ve found your new home, reach out to your Member Solutions Officer with your signed purchase agreement.
  3. Processing
    Your processor will then prepare and submit your mortgage application for final review and approval. You may be asked to provide additional supporting information. During this time, your appraisal and title work will be ordered for the home you’re hoping to buy.
  4. Closing
    The last step in the mortgage process is closing. This is where you assume ownership, your loan is funded, and you get the keys to your new home.

What do I do once my offer is accepted?

When your offer is accepted, you’ll have a signed purchase agreement. Contact your Member Solutions Officer to begin the loan process. 

What does it mean to refinance a mortgage?

Refinancing means replacing your existing mortgage with a new mortgage with better terms or features.

What fees should I expect as part of my mortgage?

Common types of mortgage fees include origination, application, credit report, appraisal, title work, and underwriting. Riverview doesn’t require an application fee or a loan origination fee. Any applicable fees will be listed on your Loan Estimate form, which you’ll receive after applying for a mortgage.

What’s a Loan Estimate (LE)?

A Loan Estimate is an industry-standard form we’ll give you after you apply for a mortgage. It provides you with valuable information about your loan, including the interest rate, monthly payment and estimated closing costs. Since these line items are estimates, certain costs may change between the original Loan Estimate and your closing date.

What’s a mortgage prequalification?

A prequalification shows how much you’ll be eligible to borrow when you decide to make an offer on a home. Your prequalification is based on information you provide, including your credit score, income, assets, debts, employment history and other financial information. The prequalification isn’t a commitment to lend yet—your information will still need to be verified with supporting documentation.

What’s private mortgage insurance (PMI)?

PMI is insurance that a buyer pays to protect the lender in case your loan ends up in foreclosure. Though most lenders require PMI for home purchases with down payments of less than 20%, Riverview offers many loan products that don’t require PMI. This can keep your monthly payment lower.

What’s the difference between a fixed-rate and an adjustable-rate mortgage?

With a fixed-rate mortgage, your interest rate stays the same for the life of your loan. Riverview offers 10-, 15-, and 20-year fixed rate mortgage loans. With an adjustable rate, your loan begins with a fixed rate for a specified period of time and then adjusts higher or lower based on an index. Riverview offers ARM loans up to a 30-year term. 

What’s the maximum I can get approved for?

Several factors are involved in determining how much you can borrow for a home loan, including your income and debt, savings, credit score and interest rate. Check out our Mortgage Qualification Calculator to get an idea of how much you may qualify to borrow.

What’s the difference between an interest rate and an annual percentage rate (APR)?

An interest rate is the cost you pay annually to borrow money, expressed as a percentage of your total loan. In contrast, APR includes the interest rate plus other costs, such as pmi, discount points and some closing costs and loan origination fees. 

Online Banking FAQs

How do I set up my online banking account with Riverview using the app?

  1. Download our app from the Apple or Google store
  2. Click ‘Sign In” in the upper right hand corner
  3. Input your username and password
    1. For first time set-up, your username will be your savings
      account (member) number
    2. For first time set-up, your temporary password will be the last four digits of the social security number of the primary accountholder. Business accounts will use the last four digits of the business’ TIN.

Create a unique username and password and set up security questions.

How do I set up my online banking account with Riverview using the website?

  1. Visit our homepage 
     On the homepage, select “Login” in the upper right. 
  2. Click ‘Sign In”
  3. Input your username and password
    1. For first time set-up, your username will be your savings
      account (member) number
    2. For first time set-up, your temporary password will be the social security number of the primary accountholder. Business accounts will use the business’ TIN.
  4. Create a unique username and password and set up security questions

This service is free, secure, and easy-to-use service for Riverview customers. Online banking allows you to manage a number of banking activities anytime, anywhere with internet access such as: access e-statements, view account balances and history, transfer funds between accounts (one-time and recurring transfers), pay bills, and more. Our online banking platform also offers bill pay. Bill pay benefits include scheduling of one-time or recurring bills with ease, schedule payments in advance, ensure payments are received on time, avoid paper clutter, more secure than paper billing, and more.

Personal & Auto Loan FAQs

Can I cancel GAP coverage?

Yes, you’ll receive a full refund if GAP is canceled within 60 days of enrolling in the program. After 60 days, the fee is fully earned and non-refundable, and GAP won’t be canceled.

Can I designate a payment as a principal reduction payment?

Yes, you can request any overage on a payment be applied directly to your principal balance or make a special payment directly to your principal balance. 

Can I get approved for an auto loan before I pick out my car?

Yes. That’s called a prequalification, and it allows you to know exactly how much car you are prequalification for before you shop. Remember—while you negotiate the best price with a dealer, don’t reveal to them the maximum amount of financing you’re pre-approved for.

Can I refinance my existing loan through Riverview?

Yes, you can apply to refinance your existing loan if the loan is currently with another lender. Credit and collateral are subject to approval. Simply apply online!

Can I transfer GAP from one vehicle to another?

No, GAP is nontransferable from one auto loan to another auto loan.

Does Riverview charge a fee to apply for a loan?

No. Riverview doesn’t charge a loan application fee.

How can I add an external account so I can make my payments to Riverview?

You can set up an external account through our Loan Pay Xpress platform, using routing and account number or debit card. You can also stop by or call one of our branches to set up a one-time or reoccurring ACH transaction.

How can I pay off my loan?

Contact a branch for assistance.

How do I apply for a loan?

You can apply for a loan via our online banking or the mobile app in just a few minutes. There’s no fee to apply. A loan officer will reach out to you within 24 hours of application submission. 

How do I set up automatic payments to my loan?

Sign in to your account and select Move Money. You can schedule transfers from your checking or savings accounts, or even an external account.

How is interest calculated on loans?

We calculate interest daily, using the simple interest method. 

How long is my prequalification good for?

Your loan prequalification is good for 90 calendar days. 

How much would my payment be if I finance GAP with my auto loan?

Your monthly payments will increase, but how much will depend on the loan amount, as well as the interest rate and term of your loan.

Once I pay off my loan in full, how long will it take for me to receive my title?

In most situations, your title will be released within 10 business days of Riverview receiving your payoff and can take up to 7 to 10 business days for delivery of the title or lien release. If the title is electronic or other conditions apply, the email or the mailed letter will detail the process of getting the physical title and ensuring that the lien release is properly recorded.

What does GAP cover?

GAP may cover the difference between the outstanding loan amount (after the insurance settlement payment has been applied) and the actual cash value of your vehicle. Refinanced vehicle loans may also qualify for GAP depending on the loan amount, term, and vehicle. Some exclusions apply.

What is a VIN?

The vehicle identification number (VIN) is a 17-character string of numbers and letters assigned to the vehicle by the manufacturer. It identifies the year, make, model and other specifications of the vehicle.

What is GAP?

GAP is an optional loan protection product that can be helpful should you be in an accident and have your vehicle declared a total loss. GAP does not take the place of primary insurance coverage for the vehicle.

What kinds of loans does Riverview offer?

Riverview offers an array of loan products perfectly suited to fit your needs. To see our full listing of personal loans, please visit our loans & credit page

What type of information do you collect when I apply for a loan?

Be prepared to provide the following:

  • Most Recent 30 days of paystubs
  • Bill of Sale
  • Copy of Title (if purchasing from an individual)
  • Proof of Insurance 

This is not an exhaustive list; your Member Solutions Officer may request further information or documentation.

When will my first payment be due?

Your first payment will be due no longer than 45 days from when the loan is finalized. You’ll find your first due date on your Loan Agreement.

Where can I get the payoff amount for my loan?

Please call a branch to request a payoff for your loan.

Will there be a penalty if I pay off my loan early?

No. If you pay off your loan early, there’s no penalty. 

Savings FAQs

Does Riverview offer accounts for members under the age of 18? If so, what are they?

Riverview offers several account options for members under the age of 18, including minor and custodial accounts.

  • A minor account is a standard savings and/or checking account.
  • A custodial savings account is a savings account that administers gift money to a minor with potential tax savings. The minor cannot withdraw money until reaching the age of 21, when the account is then converted to a regular savings account.
  • Riverview also offers a Prime Savers account, for those under 18 that accrues a higher interest in savings balances. 

To open one of these accounts, the user must be eligible for membership and have at least one adult joint owner.

How do I make a deposit to my account?

To deposit funds into your Riverview account, you have several different options, including: 

  • using your mobile device to deposit checks through the Mobile Deposit feature
  • visiting any Riverview branch
  • mailing your deposit to Riverview Federal Credit Union, 403 Main St., Belpre, OH 45714 *Do not mail cash*
  • using direct deposit or ACH by providing the paying agency or financial institution with your entire account number and Riverview’s routing/transit number, 244280107

by visiting a Shared Branching Cooperative –  Locator (co-opcreditunions.org)

Is there a minimum deposit to open a Membership Share Savings?

To join, open a Membership Share Savings with a minimum balance of $10 and a one-time membership fee of $1. 

What’s the difference between a standard Savings Account and a Money Market Account?

Money Market is an account that offers the potential for higher earnings than a standard Savings Account.

What’s the minimum balance for a Money Market?

Money Markets don’t have a minimum or opening balance; however, a balance of at least $10,000.00 is required to earn dividends. If your balance is below $10,000.0 in your Money Market, you won’t earn dividends for each day it’s below the minimum, and you will be charged a $25 monthly fee. 

Share Certificate FAQs

Can I add additional funds to a share certificate once it’s been opened?

No, funds cannot be added to a share certificate after purchase. 

How do I open a certificate?

You can open a certificate by visiting a branch or using our online service. 

How long do I have to renew or close my account when my certificate matures?

Once your certificate has reached maturity, you have a 10-day grace period in which adjustments may be made without penalty.

What does ‘renew’ mean?

In this instance, ‘renew’ refers to a reinvestment of your certificate funds in a new certificate. All certificates automatically renew as the most comparable certificate offered within our standard product lineup unless alternative instructions are given. If the certificate is a special offer certificate and no maturity instructions are received, the certificate will automatically renew to the default product type.

What happens when my certificate matures?

At least 20 days prior to certificate maturity, Riverview will provide a notice specifying the terms under which the Credit Union proposes to renew the certificate. Each certificate will be automatically renewed, unless otherwise requested at account opening, as specified in the maturity notice unless the owner notifies Riverview to the contrary on or before the maturity date. 

What’s a Share Certificate?

A share certificate account is a type of savings account that requires you to lock in your money for a predetermined length of time, or maturity period, and earns dividends at a higher rate than a standard savings account for that term.

What’s the difference between dividend rate and APY?

The dividend rate is the percentage of dividends guaranteed if a member makes no withdrawals against the principle. This rate is compounded dividends and posts as a credit at the end of the month. APY is redeposited dividends earning dividends. The dividends are compounded each month on the new funds in the account.

What’s the penalty to close or withdraw from the certificate before its maturity?

Penalty differs on the term of the CD. See the following for a list of penalties by CD Term:

6 – 12 Months: 90 days interest

13 – 24 Months: 180 days interest

25 – 60 Months: 365 days interest

Will I be alerted when my certificate is about to mature?

Yes, certificate maturity notices are sent at least 20 days prior to the maturity date of your certificate.