River Region Credit Union Info + Reviews

River Region Credit Union is the Missouri CU we’ll be focusing on here. After reading this, you will be able to make an informed decision about RRCU and if it makes sense to work with them. We’ll be going over things like membership eligibility, products, rates and more to help you decide if it’s a good fit for you.

At the end of this article, you can add in your own personal review of RRCU if you have experience with them.

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Check Your Personal Loan Rate with SoFi

*Routing #: 286580917

*Phone# (toll free): 866-649-5015


West Branch for River Region Credit Union

3608 W Truman Boulevard

Jefferson City, MO 65109

East Branch

2009 Schotthill Woods Drive

Jefferson City, MO 65101

West Edgewood

3124 West Edgewood

Jefferson City, MO 65109

Columbia River Region Credit Union

3000 Carter Lane

Columbia, MO 65201


400 East Broadway

Ashland, MO 65010

A Little History

River Region Credit Union has been around for a while, although they started a little later than most CU’s. Many were established in the 1930’s, and River Region was started in 1954.

Today, they have assets of $375 million, according to their NCUA profile. Since they are also part of the CO-OP network of ATMs, you can access your cash surcharge-free at over 30,000 locations nationwide.

Do They Give Back?

They do give back by offering college scholarships at RRCU. Their website doesn’t really mention anything else about charitable efforts.

Membership Requirements at River Region Credit Union

In order to qualify for membership at RRCU, you’ll need to meet some requirements. If you live or work in Boone, Cole, Osage, Callaway, Moniteau, or Miller counties of Missouri, then you’re in.

At first, it looks like there’s much tighter requirements than the typical credit union has. Most of them allow just about anybody through different connections with employers, family, or geographic areas.

However, this one has an additional page where they discuss all the different ways that people can get in, including being part of the Missouri National Guard, MoDot, and many other companies in Missouri.

Products at River Region Credit Union

RRCU just offers personal products (from what it looks like). If you’re in the market for personal checking or savings, it would be a great fit. Small business owners should look to a different bank or credit union for their financial needs.

You can choose from checking, savings, certificates, IRAs, and Money Market accounts at River Region Credit Union. They also offer home loans, auto loans, credit cards, and credit lines.

For being a mid-size credit union, they have a ton of checking accounts. There’s Cashback Checking Plus – 3% Cash Back, Cashback Checking – 1.5% Cash Back, High Yield Checking, EasySaver Checking, Free Checking, and Fresh Start Checking.

If you’re really new to the financial world and don’t know where to start, the Free Checking account looks solid. There’s no minimum balance required, no monthly service charges, unlimited transactions, and free convenience checks. They aren’t kidding when they say “Free.”


There are a decent amount of loan products here. They have First Mortgages and Refinancing, Home Equity Lines of Credit, Land Loans, and Construction Loans. There are also various auto loans and a couple credit cards.

Those include Mastercard – Platinum Plus, Mastercard MEMBERCash, and Mastercard – Secured.

Rates at River Region Credit Union

Mortgage Rates

**Please note that the interest rate shown here is available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.  Example assumes a loan amount of $100,000 on a primary residence home with a purchase price of $125,000 and closing costs contributing to APR of $1,444.00.  After you complete your application, a loan officer will contact you to discuss the rates and fees available to you.
The interest rates shown are subject to change without notice.  Your APR will vary based on your final loan amount, closing costs, and finance charges.

Current Deposit Rates

ShareHigh YieldMoney Market9-Month*17-Month*
 RATES.05% -.20%2.15% APY* .41 APY**.45% APY.60% APY
The interest rates shown are subject to change without notice. *Annual Percentage Yield. Contact Financial Services Officer for details. **A$100,000 minimum balance is required to earn this rate.

Auto Loan Rates

Please note that the interest rates shown here are available to borrowers with an excellent credit history. The actual interest rate and will be based on your credit history and may be different than the rates displayed here. The interest rates shown are subject to change without notice.  *Annual Percentage Rate. 

River Region Credit Union – Final Thoughts

RRCU looks like a great local credit union to keep your money at. They have a lot of different options as far as checking accounts go, which is unique to a CU their size. There aren’t a ton of charitable efforts going on besides the scholarship program that they offer. Because of their wide-ranging ATM network, you’ll be able to get cash in pretty much every city nationwide.

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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.

*This site is not affiliated with the Credit Union mentioned in this article.

Bob Buckley

Bob Buckley writes about food and business.