Grow Your Co-op!

River Valley Co-op Member Loan Campaign

We refinanced our start-up loans on March 10, 2014! We surpassed our goal of $2 million in member loans--thank you!!!

If you missed participating before the refinance date, we are happy to receive member loans at any time! 

Terms (see Lender’s Guide for complete info)

  • Available only to River Valley Co-op member-owners 
  • Member loans from $1,000-100,000
  • Loan term is 4-7 years
  • Lenders select interest rates:
    • 0-3% on loans of $1,000-14,999
    • 0-5% on loans of $15,000 or more
  • Simple interest is paid annually.
  • Member loans are unsecured and subordinate to senior loans.

Benefits of member loans

  • Member lenders earn a highly competitive rate of return.
  • Lower debt to banks means less dependence on outside capital.
  • Member loans keep our dollars local.
  • Member loans demonstrate tangible support for our cooperative model of business and vision of our community.

To make a member loan, call Board Member Jade Barker at  413.584.6487 or send an email message to You may also inquire at our Customer Service Desk.