Rates
| Share Rates | Dividend Rate | APY |
| Savings | 0.25% | 0.25% |
| Checking | 0.00% | 0.00% |
| Vacation & Christmas Clubs | 0.25% | 0.25% |
| Share Certificates | Dividend Rate | APY |
| $1000 min. - 1 yr.* | 2.25% | 2.25% |
| Traditional and Roth IRAs | 0.50% | 0.50% |
| New Vehicle Rates | APR | Terms |
| Untitled as low as: | 4.90% | 84 months |
| Used Vehicle Rates | APR | Terms |
| 0-7 years old as low as: | 6.50% | 84 months |
| Signature Loan | APR | Terms |
| Based on credit history as low as: | 10.00% | 60 months |
| Share Secured as low as: | 4.00% | 60 months |
Membership Deposit & Fee Schedule
Effective Date: 4/14/2021
Credit Union Membership
| Type of Account | Minimum Balance |
|---|---|
| Minimum Balance - Regular Share Account | $25.00 |
| Minimum Balance with a VISA, Loan, IRA, Checking, Certificate of Deposit, and VISA Debit/ATM Card. |
$25.00 |
Savings Account Fees
| Type of Fee | Fee |
|---|---|
| Early Exit Fee (Account must be open for 6 months) |
$25.00 |
| Dormant Accounts | $5.00 a month |
Checking Account Fees
| Type of Fee | Fee |
|---|---|
| Overdraft Transfer | $25.00 |
| NSF | $35.00* |
| Stop Payment | $25.00* |
| Account Recon/History Research | $25.00 per hour |
ATM/Debit & VISA Credit Card Service Fees
This service is open to credit union members in good standing and that have a Share Draft (Checking) account.
| Type of Fee | Fee |
|---|---|
| Lost/Replacement Credit Card | $25.00* |
| Lost/Replacement Debit Card | $10.00* |
| New/Lost/Replace VISA Prepaid | $6.00 |
| ATM Cash WIthdrawl | $3.00 |
| ATM Point of Sale | $3.00 |
| PIN Reminders | $1.00 |
| VISA Late Fee | $25.00 |
| VISA Prepaid Load | $3.00 |
Other Service Fees
| Type of Fee | Fee |
|---|---|
| Domestic Wire Transfer Outgoing | $35.00* |
| Foreign Wire Transfer Outgoing | $50.00 |
| Money Order | $1.00 |
| Certified Check | $2.00 |
| Send/Receive FAX | $2.00/page* |
| Statement Repring | $5.00/page* |
| Paper Statement (per statement) | $2.00 |
| Cash Pickup | $2.00 |
2 Rivers Area Credit Union
296 W. Jeffery Street
Kankakee, IL 60901
Phone: (815) 935-2270
Fax: (815) 935-1310
Routing Number: 271985624
Not-for-profit
Loan Application
Download a printable loan application
Please mail or fax application to:
2 Rivers Area Credit Union
296 W Jeffery St.
Kankakee, IL 60901
Or fax to: 815-935-1310
Please mail or fax application to:
2 Rivers Area Credit Union
296 W Jeffery St.
Kankakee, IL 60901
Or fax to: 815-935-1310
We're here to help you!
© 2025 2 Rivers Area Credit Union