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Rivertrust Credit Union

Overview
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Rivertrust Credit Union is a federal credit union based in Pearl, Mississippi. It has been opened since 1935, for 85 years.

With around $162,910,000 in assets, Rivertrust Credit Union is considered to be a large credit union. It has 1 branches and 1 ATM locations.

About
Address Po Box 97997
Pearl, Mississippi 39288
Website http://www.rivertrustfcu.com
Phone (601) 664-2085
Fax (601) 664-9717
CEO Kevin Long
President of the Board Everett Robinson
Services Offered
Map
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Score Card
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85 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
8,337 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members
556:1
Credit union member to staff ratio
556 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$162,911,352
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 2 in Mississippi
Average number of branches
0.34%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 2 in Mississippi
Average number of branches
Rivertrust Credit Union Branch Locations

Rivertrust Credit Union: Rivertrust
409 Riverwind Drive
Pearl, Mississippi 39208
ATM Available
Members
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8,337 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members

With 8,337 members, the Rivertrust Credit Union is considered to be a large credit union. It is larger than 67% of credit unions.

Fees
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$63
Average fee per member
The average fee per member at the Rivertrust Credit Union is $63, which is high compared to most credit unions. This rate is higher than 62% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Rivertrust Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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556:1
Credit union member to staff ratio
556 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
15 staff members
FTE (full-time equivalent)
0% of employees are part-time
15 full-time, 0 part-time

Rivertrust Credit Union has 15 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Rivertrust Credit Union has around 556 members per staff, a high ratio compared to other credit unions.

Assets
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$162,911,352
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
16.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$18,173
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 88% of credit unions.

Rivertrust Credit Union holds a total of $53,880,000 in loans and leases, which is about $18,173 per member on average.

Savings interest rate
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0.34%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Rivertrust Credit Union pays 0.34%.

Loan rates
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8.71%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.18%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.82%
New car loan rate
Compared to 4.0% nationally
4.34%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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3.86%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.29%
Other real estate loan rates
Compared to 0.9% nationally
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