El Reno R.i.l. Credit Union OK | Best Auto Loans & Business Banking

Introduction

Welcome to El Reno R.i.l., a trusted financial partner in the heart of El Reno, Oklahoma. Established in 1934, our credit union has been serving the community for decades, fostering a spirit of cooperation and support. With a strong membership base of 2,990 individuals, we are dedicated to empowering our members through personalized financial solutions. Located at 320 S Rock Island Ave, we invite you to experience our friendly service and commitment to your financial well-being. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we've got you covered with assets totaling $38,681,877 and total deposits of $6,665,140. Our leadership team, led by CEO Sharon Davis and Board President Robert McCray, is passionate about helping you achieve your financial goals. We pride ourselves on being more than just a credit union; we are an integral part of the El Reno community. With a net worth of $4,273,331 and cash in hand amounting to $595,927, we are committed to providing stability and growth for our members. Our services include personal banking options as well as business banking solutions like merchant services and business loans. While members can visit us at our branch location for friendly assistance during our lobby hours (Monday-Friday from 9 AM to 4 PM), official correspondence should be sent to the same address: 320 S Rock Island Ave, El Reno, OK 73036. Feel free to reach out via phone at 405-262-1463 or explore more about us on our website here. We look forward to welcoming you into the El Reno R.i.l. family!

Branch History & Mission

Community Commitment

At El Reno R.i.l., we understand that our responsibility goes beyond just banking. We actively participate in local initiatives and outreach programs designed to uplift our community. Through partnerships with local organizations and schools, we promote financial literacy and support various charitable events. While members can visit us at 320 S Rock Island Ave for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to reach out at 405-262-1463.

Join Us

As part of our mission to provide exceptional member service, we invite you to experience everything El Reno R.i.l. has to offer. Whether you're looking for personal banking solutions or seeking support for your business endeavors, our friendly staff is here to help you every step of the way. Come be part of a credit union that genuinely cares about its members and their financial well-being! Visit us today or explore more about joining at our website. Your journey toward better banking starts here!

Our Legacy

Since our inception, El Reno R.i.l. has focused on supporting our members with personalized service and a wide range of financial products. With total assets reaching an impressive $38,681,877, we strive to empower individuals and families in our community by offering services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our mission is rooted in the belief that everyone deserves access to quality banking solutions tailored to their needs. As we grew over the years, we embraced technology while maintaining our core values of trust and community support. Today, we provide online banking options along with mobile payments for added convenience. Our drive-thru service allows busy members to complete simple transactions efficiently during the week and on Saturdays.

Branch Location & Accessibility

Call to Action

If you have any questions or need assistance, don't hesitate to call us at 405-262-1463. We look forward to welcoming you into our branch soon! Whether you're a long-time member or new to the area, El Reno R.i.l. is here to help you achieve your financial goals in a friendly and supportive environment. Come visit us today!

Operating Hours

Our lobby is open Monday through Friday from 9 AM to 4 PM, allowing you to handle your banking tasks during the week. If you're looking for more flexibility, our drive-thru service operates Monday through Friday from 7:30 AM to 6 PM and on Saturdays from 8 AM to noon. This means you can quickly make deposits or withdrawals without having to step out of your vehicle perfect for those busy days!

Services Offered

At El Reno R.i.l., we provide a variety of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. You can also enjoy the benefits of credit cards with rewards and business banking solutions if you run a business. Plus, we offer online and mobile banking so you can manage your accounts anytime, anywhere.

Member Eligibility

At El Reno R.i.l., we're excited to welcome you into our community where support and financial growth go hand in hand. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the El Reno area, you may be eligible to join us. We believe in inclusivity and making banking accessible for everyone, so whether you're looking for a personal loan, a checking account, or just want to take advantage of our friendly services, there's a place for you here. For more detailed eligibility criteria, feel free to check out our website at https://www.rockislandcu.com/membership-application/ . Opening an account with us is a breeze! All you need to do is visit us at 320 S Rock Island Ave El Reno Ok 73036, give us a call at (405) 262-1463, or explore our account opening process online at https://www.indeed.com/viewjob?jk=1a6de46ea907dfe2&tk=1i9pkmci3i162800&from=hp&xpse=socy67i378rgwuxxtb0lbzkdcdpp&xfps=f922109f-2530-4a56-bab3-eeedb2144bb7&xkcb=socf67m375hwql2zgr0lbzkdcdpp . Join us at El Reno R.i.l. today and experience the benefits of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner that streamlines your payment processing while enhancing customer experience. At El Reno R.i.l., our merchant services offer tools that simplify transactions, making it easier for you to focus on what you do best running your business. This means faster checkouts and satisfied customers, which can lead to increased sales and loyalty. Located at 320 S Rock Island Ave El Reno Ok 73036 in El Reno, OK, we're dedicated to serving local businesses with personalized care and expert guidance. Let us be part of your success story! For more information, give us a call at (405) 262-1463 or visit us online at https://www.rockislandcu.com/ .

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently do not have any member or non-member commercial loans funded, we are excited about the potential to help our community grow in the future.

Comprehensive List Of Services

ATM & Drive-Thru Services

While we don't have ATMs at this location, our drive-thru banking offers an efficient way to handle deposits, withdrawals, and simple transactions without leaving your vehicle. Our team is ready to assist you during lobby hours: Monday through Friday from 9 AM to 4 PM and Saturdays from 8 AM to noon. We invite you to visit us at 320 S Rock Island Ave El Reno Ok 73036 in El Reno, OK or call us at (405) 262-1463 for more information about how our services can meet your needs. Join the El Reno R.i.l. family today your financial journey starts here! Visit us online at Main for more details.

Business Banking

For local businesses in El Reno, our business banking services include merchant services and business loans designed to support your growth. We know that running a business comes with its own set of challenges, so we're here to provide the financial tools needed for success.

Credit Cards

Our credit cards come with rewards that fit your lifestyle, giving you added benefits every time you make a purchase. Whether you're planning a vacation or just want to earn points for everyday spending, we've got you covered.

Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Imagine managing your finances right from your smartphone checking balances, transferring funds, or even depositing checks all at your fingertips. You can also utilize our person-to-person payment feature for easy money transfers to friends and family.

Loans and Financing

If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it simple and affordable. Picture driving home in your new car without breaking the bank. Additionally, we offer mortgage loans and refinancing solutions for those looking to buy a home or lower their current mortgage payments. We also understand that life can bring unexpected expenses; that's why we provide personal loans and debt consolidation options to help get you back on track.

Personal Banking

Whether you are looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine having a checking account that offers easy access and no hidden fees, allowing you to manage your daily expenses effortlessly. For those saving for future dreams, our savings accounts provide competitive rates that help your money grow.

Digital & Online Banking

Key Features of Our Digital Banking Services

Whether you're looking to check your balance, pay bills, or transfer money, our 24/7 online banking services have you covered. You can easily monitor your accounts in real-time and make transactions without the hassle of visiting a branch. Plus, with our electronic signature authorization feature, signing important documents has never been simpler or more secure. For those who prefer to go paperless, we offer e-statements that give you quick access to your financial information while helping the environment. No more waiting for mail your statements are just a click away!

Mobile Banking on the Go

If you're always on the move, you'll appreciate our mobile payments feature. This allows you to make purchases quickly and securely from your smartphone. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, ensuring that you can manage your finances on the go effortlessly. Additionally, our person-to-person transfer service makes it easy to send money directly to friends and family without any fuss. Whether it's splitting a bill or sending a gift, you'll find this feature incredibly handy. At El Reno R.i.l., we're committed to providing accessible and efficient banking solutions tailored to fit your lifestyle. Join us today and experience how our digital banking services can help simplify your financial life!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $16,580. Total Share and Deposit Accounts: 4,754, 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, El Reno R.i.l. is your trusted partner. Visit us at 320 S Rock Island Ave El Reno Ok 73036 or call (405) 262-1463 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $5,408,170 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $569 in used auto loans and $19,850,875 in total loans and leases.

Member-Centric Resources

Members' savings are secured through $6,908,582 in share certificates and $1,532,851 in money market shares, 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.

Operational Efficiency

Our $-1,141,194 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 9 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $4,273,331, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,105 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,090,787 in used vehicle loans and $4,840,918 in new vehicle loans already helping members get on the road. Whether you prefer a brand-new model or a reliable used vehicle, we have flexible financing options to fit your budget.

Credit Lines

For those seeking added flexibility, our total credit lines available stand at $2,500,000. This means you can access funds when you need them most without the pressure of immediate repayment. In addition to our various loan offerings, we also provide refinancing options and eligibility assessments to ensure you get the best possible terms for your financial situation. Our team is here to guide you through each step of the process whether you're applying for your first loan or looking to refinance an existing one. You can reach us at (405) 262-1463 for any questions or assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at 320 S Rock Island Ave El Reno Ok 73036 or explore more about our services online at rockislandcu.com.

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, ensuring you can navigate the path to homeownership without unnecessary complications.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $129,659 in loans helping members manage their finances effectively. This option is perfect for those who want more control over their spending while enjoying the convenience of credit.

Loan Aggregator

Accurate Loan 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 ensures that users receive fair and transparent offers when comparing loans. By relying on verified financial institutions, LendMesh guarantees that all data presented is accurate and trustworthy.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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 kind of feedback highlights the effectiveness of the platform in assisting individuals in finding suitable financing options. Take advantage of this powerful tool today. Compare real-time loan offers 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.

EL RENO R.I.L. CREDIT UNION