2 Rivers Area Credit Union Kankakee IL | Best Auto Loans & Business Banking

Introduction

Welcome to 2 Rivers Area Credit Union, where your financial well-being is our top priority! Located at 296 W Jeffery St, Kankakee, IL 60901, we have been proudly serving our community since 1951. With a commitment to providing exceptional service and support, we currently serve over 4,067 members who trust us with their financial needs. At 2 Rivers Area, we understand that each member has unique goals and dreams. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. With total assets of $23,871,410 and total deposits of $1,880,440, you can rest assured that your money is in safe hands. Our dedicated team of 7 employees, led by CEO Danita Swanson and Board President Mary Westover, works diligently to foster a welcoming environment for everyone who walks through our doors. Whether you prefer visiting us in person or managing your finances online, we're here to help. Our branch features convenient services such as drive-thru banking, ATM access, and user-friendly online banking options. While members can visit us at our physical location in Kankakee, official correspondence should be sent to the same address: 296 W Jeffery St, Kankakee, IL 60901. We invite you to call us at 815-935-2270 for any questions or assistance you may need. Join us today and experience the difference that a community-focused credit union can make in your financial journey! Visit our website at 2 Rivers Area Credit Union for more information on membership and services. Your financial future starts here!

Branch History & Mission

Community Commitment

At the heart of our mission lies a strong commitment to community outreach. We actively engage in partnerships that support local initiatives and events, ensuring that we contribute meaningfully to Kankakee's growth. By investing in our community, we help create a supportive environment where everyone can thrive financially. As we look ahead, we invite you to join us on this journey. Experience firsthand the benefits of being a member of 2 Rivers Area Credit Union where your financial goals are met with care and dedication. Together, let's build a brighter future! For more information or to become a member today, give us a call at 815-935-2270 or visit our website at 2riversacu.com.

Our Mission

Our mission at 2 Rivers Area Credit Union is simple yet profound: to enhance the financial well-being of our members while contributing positively to the communities we serve. We believe in treating everyone like family and understanding their unique financial situations. Whether you need assistance with personal banking like checking and savings accounts or are looking for auto loans or mortgages, we're here for you. In addition to traditional banking services, we embrace modern technology with features such as online banking and mobile applications. This ensures that our members can manage their finances conveniently from anywhere. We also offer drive-thru services for quick transactions and have ATMs available for easy access to your funds. While members can visit us at 296 W Jeffery St for all branch-related services, official correspondence should be sent to the same mailing address for consistency.

Branch Location & Accessibility

Connect With Us

For any questions or assistance, don't hesitate to reach out! You can give us a call at 815-935-2270. If you can't visit us in person, feel free to check out our website at 2riversacu.com for more information on our services and membership eligibility. While members can visit us at 296 W Jeffery St Kankakee Il 60901, official correspondence should be sent to 296 W Jeffery St, Kankakee, IL 60901 if it's different. We look forward to welcoming you to the 2 Rivers Area Credit Union!

Getting Here and Parking

Our branch is designed with accessibility in mind. You can expect ample parking right outside our doors, making it easy for you to drop by. We also comply with ADA standards, ensuring that everyone can access our services comfortably.

Operating Hours and Services

We know that life can be busy, which is why we're here for you Monday through Friday from 7:30 AM to 5:15 PM. At our branch, you can take care of various financial tasks whether it's opening a checking account, applying for an auto loan, or simply cashing a check. We offer personal banking services, vehicle financing options, mortgage loans, and even credit cards with rewards. Need to make a quick deposit or withdrawal? Our drive-thru service is available for those who prefer convenience without leaving their car. Plus, we have an ATM on-site for quick cash access.

Member Eligibility

At 2 Rivers Area, we believe that becoming a member is like joining a family where everyone supports each other. If you live, work, worship, or attend school in Kankakee County, you're already on the right track to joining our community! We welcome all individuals who share these connections to experience the benefits of membership. This means you can enjoy personalized financial services tailored just for you, whether it's savings accounts, loans, or online banking solutions. To learn more about eligibility criteria and see if you're a fit, feel free to check out the details at http://www.2riversacu.com/membership/. Joining us is simple! When you're ready to open an account, head over to our easy online application process at https://www.financial-net.com/2riversacu/lending/internetloans. If you have any questions or need assistance along the way, don't hesitate to reach out at (815) 935-2270. We're excited to help you take this step towards better banking!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing and enhance customer experiences. Imagine being able to accept payments easily whether in-store or online allowing you to focus on what you do best: running your business. At 2 Rivers Area, we're here to ensure that your banking experience is as smooth as possible so you can concentrate on achieving your goals. Visit us at 296 W Jeffery St Kankakee Il 60901, Kankakee, IL or call us at (815) 935-2270 for more information about how we can support your business journey!

Our Commitment to Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Support

If you're a small business owner, we haven't forgotten about you! Our Business Banking services include merchant services and business loans designed to help you manage cash flow and grow your operations. We recognize how vital support is for local businesses, and we are here to assist every step of the way.

Convenient Access

To ensure ease of access, we offer ATM and cash withdrawal services as well as basic drive-thru banking for deposits, withdrawals, and simple transactions. Our ATM Availability means that cash is always within reach when you need it most. At 2 Rivers Area, we pride ourselves on making banking as straightforward as possible. With operating hours from 7:30 AM to 5:15 PM Monday through Friday, our team is ready to assist you whenever it's convenient for you. Ready to take the next step? Visit us at 296 W Jeffery St Kankakee Il 60901, call us at (815) 935-2270, or explore more about our offerings at 2 Rivers Area Credit Union. We look forward to serving you!

Credit Cards with Rewards

For those who love earning rewards while spending, our Credit Cards with Rewards program allows you to earn points on everyday purchases. It's like getting paid back just for using your card! You'll enjoy the benefits of cashback offers and discounts at various retailers.

Home Financing Made Easy

Thinking about buying a home? Our Mortgage Loans & Refinancing services provide flexible options that can help make your dream home a reality. We know how important it is to find the right mortgage that fits both your budget and lifestyle. Plus, if you're looking to consolidate debt or fund a personal project, our Personal Loans & Debt Consolidation options can help simplify your financial obligations.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to manage your money from anywhere. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you're considering purchasing a new car or refinancing your current one, our Auto Loans & Vehicle Financing options are designed for convenience and affordability. Our friendly staff will guide you through the process, ensuring you find the best financing solution for your situation.

Digital & Online Banking

At 2 Rivers Area, we understand that managing your finances should be convenient and secure. That's why we offer a range of digital and online banking services designed to put you in control of your money, anytime and anywhere. With our 24/7 online banking services available at https://2riversacu.com/, you can easily check your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can also enjoy the benefits of e-statements, allowing you to view your account statements online without the clutter of paper. For those who prefer mobile banking, our user-friendly mobile application is available for download. It provides all the functionalities you need right at your fingertips. You can manage your accounts on the go, making it easier than ever to keep track of your finances. Security is our top priority. While we currently don't offer electronic signature authorization or mobile payments, rest assured that your information is protected with robust security measures. We strive to provide a safe environment for all your transactions. With our commitment to accessibility and ease-of-use, banking with 2 Rivers Area has never been more straightforward. Whether you're at home or out and about, you can manage your accounts in real-time without any hassle. Join us today and experience banking tailored to fit your lifestyle!

Financial Strength

At 2 Rivers Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential for achieving your goals. That's why we are committed to maintaining strong financial health, which allows us to serve you better. With a net worth of $2,833,510, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,187 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,372,428 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $2,387,736 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. In addition to this, our lending capacity supports your financial goals with $308 in used auto loans and $15,454,817 in total loans and leases. Our $89,652 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and care. Net Shares (Funds available for lending and investments): $1,241,564. Total Share and Deposit Accounts: 7,170, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 2 Rivers Area is your trusted partner. Visit us at 296 W Jeffery St Kankakee Il 60901 or call (815) 935-2270 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,852,022 in used vehicle loans and $8,412,934 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, our flexible terms can fit your budget.

Credit Lines

If you need access to cash for unexpected expenses or want to consolidate debt, consider our credit lines. With a total of $1,200,000, these are designed to give you quick access to funds when you need them most. Our team at 2 Rivers Area is committed to providing personalized service and support throughout your borrowing journey. If you're curious about eligibility options or would like more information on refinancing existing loans, please reach out! You can contact us at (815) 935-2270 during our operating hours from 7:30 AM to 5:15 PM, Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here not just as lenders but as partners in your financial journey. Visit us today and see how we can assist you in achieving your dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, which can help you take that important step toward owning your own home. If you're considering refinancing an existing mortgage, we have options available to help reduce your monthly payments or lower your interest rate.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our unsecured credit card loans, totaling $991,509. We offer flexible terms that allow you to use credit wisely while managing your finances effectively.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring complete transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so that users can trust they are viewing the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimony reflects the genuine value LendMesh provides in helping individuals secure the best rates possible. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures that all loan offers are fair and transparent. By using verified data, LendMesh guarantees that users receive accurate information for their loan comparisons.

2 Rivers Area