Red River Employees Credit Union Texarkana TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Red River Employees, your trusted financial partner located at 331 Red River Rd N Bldg Armydepot, Texarkana, TX 75501. Established in 1943, we are proud to serve over 121,775 members with a commitment to their financial well-being. With total assets of $1,466,511,223 and deposits amounting to $119,851,375, we stand strong as a vital part of the Texarkana community. At Red River Employees, we understand that financial stability is key to achieving your goals. That's why our dedicated team, led by CEO Bradley Bailey and Board President Fred Milton, works tirelessly to provide personalized services tailored to meet your unique needs. We offer a range of financial products including auto loans, personal loans, and business banking solutions designed to empower our members. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at PO Box 5909, Texarkana, TX 75505-5909. Our friendly staff is here to assist you Monday through Friday from 9:00 AM to 4:00 PM. Whether you're looking for guidance on loans or simply want to explore your banking options, we're just a phone call away at 903-793-7681. Join us at Red River Employees as we strive to build a brighter financial future together! For more information about our services and how we can help you thrive financially, visit us online at http://www.rrcu.com. Your journey towards financial empowerment starts here!

Branch History & Mission

Community Engagement

We take pride in our partnerships with local organizations and schools to foster financial literacy and support community development projects. Our dedicated team is always ready to assist you with personalized service during our operating hours: Monday through Friday from 9:00 AM to 4:00 PM. With ATM availability and drive-thru banking options, convenience is always a priority. Join us at Red River Employees and experience firsthand how we can help you achieve your financial goals while making a positive impact in the community. Your journey towards better financial health begins here! For any inquiries or assistance, feel free to reach out at 903-793-7681.

Our Journey

Since opening our doors, we have focused on building strong relationships within the community. Over the years, we've expanded our services to meet the diverse needs of our members. Today, with total assets exceeding $1,466,511,223, we offer a wide range of products including personal banking, auto loans, mortgages, and business financing solutions. Our commitment to innovation is evident as we embrace digital advancements like online banking and mobile payment options. We ensure that all members can access their accounts anytime, anywhere. Additionally, our facilities are ADA compliant, allowing everyone to benefit from our services.

Our Mission

At Red River Employees, our mission is clear: we strive to provide exceptional financial services while supporting our local community. We believe in empowering individuals through education and resources that promote financial well-being. Our initiatives extend beyond banking; we actively participate in community outreach programs that uplift those around us. While members can visit us at 331 Red River Rd N Bldg Armydepot, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505-5909.

Branch Location & Accessibility

Connect With Us

We invite you to stop by the Red River Employees branch today or give us a call at 903-793-7681 if you have any questions or need assistance. Our team is eager to help you navigate your financial journey!

Easy Access and Parking

Our branch is designed with accessibility in mind. Whether you're coming in for a quick transaction or need assistance, you will find our location easily reachable. There's ample parking available, making it convenient for everyone. We also have features that comply with ADA standards, ensuring that all members can visit us comfortably.

Operating Hours and Services

We're here for you Monday through Friday from 9:00 AM to 4:00 PM, so you can drop by at a time that suits you best. In addition to our lobby hours, we offer drive-thru banking for quick and simple transactions without leaving your vehicle. Our ATM is available for those who prefer self-service options, providing easy access to cash and account information at any time.

Your Banking Needs Covered

At the Red River Employees branch, we provide a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we've got you covered. While visiting us at this location, you'll experience friendly service from knowledgeable staff who are ready to assist you. If you need to send official correspondence, please note that our mailing address is PO Box 5909, Texarkana, TX 75505-5909.

Member Eligibility

At Red River Employees, we believe that everyone deserves a financial partner that truly cares. Becoming a member is simple and welcoming! If you live, work, or attend school in the Texarkana area, you're likely eligible to join our community. We're dedicated to supporting our members with personalized services and competitive rates on loans and savings. To learn more about specific eligibility criteria, feel free to check out this helpful resource: http://www.rrcu.com/itin-membership. Once you confirm your eligibility, opening an account is just as easy! You can get started online by visiting this link, or if you prefer a personal touch, give us a call at (903) 793-7681. Our friendly team at 331 Red River Rd N Bldg Armydepot Texarkana Tx 75501 is here to help you every step of the way! Join us today and experience the benefits of being part of the Red River Employees family.

Business Banking & Commercial Services

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 $281 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $115,305,437, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

Imagine having a reliable payment processing solution that allows you to focus on what you do best running your business. Our merchant services simplify transactions, ensuring quick and secure payments from your customers. This means more time for you to innovate and serve your clients while we handle the behind-the-scenes banking needs. Let Red River Employees be your trusted partner in navigating the financial landscape of your business. Together, we can pave the way for a successful future right here in Texarkana, TX. Reach out today at (903) 793-7681 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking

For our business-minded members, our Business Banking services include essential features like Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, our tailored solutions can provide the support you need to thrive in today's competitive marketplace.

Credit Options with Rewards

At Red River Employees, we also offer Credit Cards with Rewards to enhance your spending power while earning benefits along the way. Imagine earning points on everyday purchases that can be redeemed for exciting rewards it's all part of how we strive to add value to your financial experience.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options, allowing you to manage your accounts from anywhere, anytime. You can perform tasks like checking balances, transferring funds, and paying bills right from your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure that accessing your money is easy and hassle-free.

Drive-Thru and ATM Access

If you prefer in-person service for quick transactions, our basic drive-thru banking offers simple options such as deposits and withdrawals without leaving your vehicle. Additionally, our ATMs are available for those quick balance checks or cash withdrawals making it easy to get what you need on the go. At Red River Employees, we pride ourselves on being more than just a credit union; we're a community partner committed to helping you achieve your financial goals. To learn more about any of these services or to speak with a representative about how we can assist you further, please don't hesitate to reach out at (903) 793-7681 or visit us online at http://www.rrcu.com. We look forward to serving you!

Mortgage and Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services provide competitive rates and flexible terms to make homeownership more attainable. We know that every member's situation is different, so we work closely with you to find the best solution that fits your lifestyle.

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why we offer a variety of Personal Banking services. From Checking & Savings Accounts that help you save for the future, to Auto Loans & Vehicle Financing that make getting on the road easier, we prioritize your convenience and financial well-being. Need a little extra cash? Our Personal Loans & Debt Consolidation options can help you streamline expenses and regain control over your budget.

Digital & Online Banking

Key Features

Our online banking platform empowers you to take control of your finances with just a few clicks. Need to check your balance or transfer funds? It's all possible from the comfort of your home or on the go with our mobile application. Plus, you can say goodbye to paper clutter with e-statements available for all members. These electronic statements are not only eco-friendly but also help you keep track of your finances effortlessly. For those moments when you need to send money quickly, our person-to-person transfer feature is here to help. Whether it's splitting a bill or sending a gift, it's fast and easy. And if you're always on the move, take advantage of our mobile payments feature that lets you pay securely with just your phone.

Security & Convenience

Your security is our priority at Red River Employees. We utilize electronic signature authorization to ensure that all transactions are safe and verified. Our user-friendly interface means that even those who are not tech-savvy will find it easy to navigate through our services. In today's fast-paced world, having real-time access to your accounts allows for better financial decisions. Whether you want to check balances, pay bills, or make transfers, everything is right at your fingertips. Join us at Red River Employees and experience how digital banking can simplify managing your finances while keeping them secure!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 235,128, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments totaling $4,077,091, we are well-positioned to meet your needs now and in the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Red River Employees is your trusted partner. Visit us at 331 Red River Rd N Bldg Armydepot Texarkana Tx 75501 or call (903) 793-7681 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $181,550,070 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 your financial goals across various sectors with $13,861 in used auto loans and $1,081,217,124 in total loans and leases.

Member-Centric Savings Opportunities

Members' savings are secured through $425,536,413 in share certificates and $144,759,182 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 operational efficiency is reflected in our $7,860,479, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 363 full-time employees and 17 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 $192,945,609, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,316 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 $284,430,332 in used vehicle loans and $171,320,328 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find a loan that fits your budget. Plus, if you're considering refinancing an existing auto loan, we can help you explore eligibility options that may save you money each month.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $115,305,437 provide the capital needed to grow and expand. We understand the challenges businesses face and aim to offer tailored solutions that can help your enterprise thrive. At Red River Employees, we are committed to serving our members with personalized financial services. If you have any questions about our loan offerings or wish to learn more about eligibility requirements, feel free to contact us at (903) 793-7681 or visit us at 331 Red River Rd N Bldg Armydepot Texarkana Tx 75501. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

For those who need flexibility in managing their finances, our total credit lines available stand at $663,494,846. Additionally, we offer unsecured credit card loans totaling $17,181,595, providing members with access to funds without the hassle of collateral. This can be especially useful for emergencies or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,307,554, make buying or refinancing simple. We guide you through the process from start to finish, making it easier than ever to secure the home of your dreams or refinance your current mortgage for better terms.

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