Red River Employees Credit Union Texarkana TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Red River Employees, your trusted financial partner located at 4400 S Lake Dr, Texarkana, TX 75501. Since our establishment in 1943, we've proudly served our community with a commitment to providing exceptional banking services tailored to your needs. With a membership base of over 121,775 individuals, we understand the importance of community and strive to create a supportive environment where everyone can achieve their financial goals. As a member-focused credit union, we offer a variety of services designed for both personal and business needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we have you covered. Our total assets amount to an impressive $1,466,511,223, demonstrating our strong financial foundation and reliability. We are dedicated to helping you grow your finances safely our total deposits stand at $119,851,375, ensuring that your funds are secure with us. Led by our CEO, Bradley Bailey, and Board President, Fred Milton, our team of 380 employees is here to assist you with personalized service and expert advice. We believe in the power of relationships and work hard to foster trust within our community. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 5909, Texarkana, TX 75505-5909. At Red River Employees Credit Union, we're more than just a bank we're part of the community. We invite you to discover how we can support your financial journey. Feel free to call us at 903-793-7681 or visit our website at www.rrcu.com for more information about our services and how you can become a member today!

Branch History & Mission

Community Focus

Our outreach efforts extend beyond banking. We partner with local organizations to support various initiatives aimed at improving the lives of those in Texarkana. From educational programs to community events, we actively engage with our members and neighbors to ensure no one is left behind. Join us today! Experience firsthand the benefits of being part of Red River Employees Credit Union where your financial well-being is our priority. Whether you're looking for personal loans or simply want to start saving for your future, we are here to help you every step of the way. Feel free to reach out via phone at 903-793-7681 or visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 7:30 AM to 1:00 PM. We can't wait to welcome you into our family!

Our Journey

From our humble beginnings, Red River Employees has transformed significantly over the decades. We have expanded not only our membership but also the range of services we offer. Located at 4400 S Lake Dr, Texarkana, TX 75501, we are conveniently positioned near local landmarks that make us easily accessible for all your banking needs. Our branch is equipped with modern facilities including an ATM and drive-thru services for quick and easy transactions. As we look back on our history, we take pride in how far we've come. With a dedicated team of 380 employees, we strive to create an environment where everyone feels welcome and supported. Our leadership under CEO Bradley Bailey and Board President Fred Milton ensures that our mission aligns with the values of our community.

Our Mission

At Red River Employees, our mission is clear: to provide financial services that empower our members while fostering a strong sense of community. We believe that by supporting each other, we can achieve more than any one of us could alone. Whether it's through personal banking options like checking accounts and auto loans or business solutions tailored for local enterprises, every service we offer is designed with your best interests in mind. While members can visit us at 4400 S Lake Dr, official correspondence should be sent to our mailing address at PO Box 5909, Texarkana, TX 75505-5909. We understand that convenience matters; that's why we're committed to enhancing your banking experience through digital advancements like online banking and mobile payments.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Red River Employees where our dedicated staff is eager to help you achieve your financial goals. If you have any questions or need assistance before stopping by, feel free to give us a call at 903-793-7681. We look forward to serving you!

Nearby Landmarks & Accessibility

Located near popular local spots, our branch is easily accessible with ample parking available for your convenience. We take pride in being ADA compliant, ensuring that everyone can access our services comfortably. Our drive-thru service allows you to manage your banking needs without leaving your car, making it even easier for those on the go.

Operating Hours & Services Offered

At Red River Employees, we understand that life can get busy! That's why we offer flexible operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 7:30 AM to 1:00 PM. Our friendly team is ready to assist you during these hours with a variety of services designed to meet your financial needs from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Need cash? No problem! We have an ATM available for quick withdrawals and balance checks. Additionally, our drive-thru service is perfect for simple transactions like deposits and withdrawals.

Member Eligibility

At Red River Employees, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that looks out for one another. To become a member, you need to meet some simple eligibility criteria. If you live, work, worship, or attend school in the Texarkana area, you're already on your way! We also welcome immediate family members of current members, making it easier for you to share the benefits of membership with loved ones. For more detailed information on who can join us, feel free to check out our eligibility guidelines at http://www.rrcu.com/itin-membership. Getting started with us is easy! You can open your account online through our secure portal or visit us at our branch located at 4400 S Lake Dr Texarkana Tx 75501. Our friendly staff is ready to assist you every step of the way. If you have any questions or need assistance, don't hesitate to reach out at (903) 793-7681. We're excited to welcome you into the Red River Employees family!

Business Banking & Commercial Services

Member and Non-Member Loan Options

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.

Merchant Services Tailored for You

In addition to loans, we offer merchant services that streamline payment processing, making it easier for you to manage transactions and grow your customer base. Picture this: customers can pay with ease, whether they're shopping online or at your storefront. Our solutions ensure you can focus on what truly matters running your business. Ready to take the next step? Visit us at 4400 S Lake Dr Texarkana Tx 75501 in Texarkana, TX, or give us a call at (903) 793-7681. Let's work together to make your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we offer comprehensive business banking services including merchant services and business loans. We know how crucial it is for you to have reliable financial support as you grow your business, which is why we're here every step of the way.

Convenient Access

At Red River Employees, convenience is key. Our ATM services allow easy cash withdrawals and balance checks anytime you need them. If you prefer face-to-face interactions, our drive-thru service offers quick access for deposits and simple transactions without leaving your car.

Credit Cards with Benefits

Our credit cards come with rewards tailored for everyday spending. Whether you're purchasing groceries or planning a vacation, earn points that can lead to great benefits while managing your expenses effectively.

Digital Banking Features

In today's fast-paced world, digital banking is essential. Enjoy the benefits of online banking where you can manage your accounts from anywhere at any time. Our mobile app also allows for mobile payments and person-to-person transfers, making transactions as easy as sending a text message. We invite you to explore all that Red River Employees has to offer. For more information or assistance, don't hesitate to reach out at (903) 793-7681 or visit us online at http://www.rrcu.com. Join us in achieving your financial goals today!

Loans Made Simple

Need a new car? With our auto loans and vehicle financing options, you'll find competitive rates that make it easier to drive away in the vehicle you want. For those considering homeownership or refinancing an existing mortgage, our mortgage loans provide flexible terms to suit your budget. And if you're looking for personal loans or debt consolidation solutions, we've got tools to help simplify your finances.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking options such as checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking features. You can deposit checks, pay bills, and transfer money all from the comfort of your home or on the go.

Digital & Online Banking

A User-Friendly Experience

Our digital banking tools are designed to be user-friendly and intuitive. From checking your account balance to making mobile payments, every feature is crafted for ease of use. Whether you're tech-savvy or just getting started with online banking, you'll find everything straightforward and accessible. In summary, at Red River Employees, we strive to provide an exceptional digital banking experience that fits seamlessly into your lifestyle. With powerful features like e-statements, mobile payments, and person-to-person transfers all within reach, managing your finances has never been more convenient or secure. Visit us today at http://www.rrcu.com and take control of your banking needs!

Key Features of Our Online Banking

With 24/7 online banking services, you can check your balances, make transfers, and pay bills whenever it suits you. Whether you're at home or on the go, staying on top of your financial life has never been easier. Plus, our mobile application gives you the flexibility to manage your accounts right from your smartphone. If you need to send money to friends or family quickly, our person-to-person transfer feature allows you to do just that with a few taps on your screen. No more running to the bank or waiting for checks to clear! Security is a top priority at Red River Employees. We offer electronic signature authorization for important transactions, so you can feel confident knowing that your sensitive information is protected. Additionally, e-statements are available for those who prefer a paperless option, making it simple to keep track of your finances while reducing clutter.

Financial Strength

Growing Member Base

Total Share Accounts: 235,128, showing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments): $4,077,091. 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 4400 S Lake Dr Texarkana Tx 75501 or call (903) 793-7681 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 commitment extends to lending as well; with $13,861 in used auto loans and $1,081,217,124 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

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, enabling 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 who are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $115,305,437 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to upgrade equipment or facilities, we can help you secure the funding necessary for your business's success. We also have refinancing options available for many of our loan products ensuring that if your circumstances change or if better rates become available down the line, you can adjust accordingly. Feel free to reach out to us at 903-793-7681 or visit our branch during operating hours (Mon-Fri 9:00 AM - 5:00 PM; Sat 7:30 AM - 1:00 PM) for more information on how we can assist you with any of these loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together to find the right loan product for your needs!

Credit Lines and Unsecured Loans

For those looking for flexibility in managing expenses, our credit lines total $663,494,846. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $17,181,595 in loans helping members manage their finances effectively. This means you can access funds when you need them without tying up your assets.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $12,307,554. Our team is ready to guide you through the process, ensuring you find a mortgage solution that works for your unique situation.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 commitment ensures that users receive fair and transparent offers tailored to their needs. By relying on verified financial institutions, LendMesh eliminates uncertainty and gives users confidence in their loan options.