Red River Employees Credit Union Texarkana TX | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Red River Employees, your trusted financial partner located at 4405 Summerhill Rd, Texarkana, TX 75503. Established in 1943, we have proudly served our community for over 80 years, providing personalized banking solutions tailored to meet your needs. With a total membership of 121,775, our commitment to fostering strong relationships with our members is at the heart of everything we do. At Red River Employees, we understand that financial health is essential for personal and community growth. That's why we manage a robust portfolio, with total assets exceeding $1.46 billion and total deposits amounting to $119,851,375. Our diverse offerings include auto loans, mortgages, credit cards, and business banking services designed to help you achieve your financial goals. Led by our dedicated CEO, Bradley Bailey, and Board President Fred Milton, our team of 380 employees is here to support you every step of the way. We take pride in creating an environment where you can feel confident about your financial decisions. While members can visit us at our branch location, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505-5909. Whether you're looking for assistance with a loan or exploring savings options, we're just a phone call away at 903-793-7681. Join us today at Red River Employees and discover the difference that a member-focused credit union can make in your life! Visit our website at www.rrcu.com for more information on how we can assist you on your financial journey.

Branch History & Mission

Welcome to the heart of Texarkana, where Red River Employees has been a cornerstone of financial support and community growth since its founding in 1943. Located at 4405 Summerhill Rd, Texarkana, TX 75503, our branch has proudly served over 121,775 members, helping them achieve their financial goals through personalized service and innovative solutions. From our humble beginnings, we have evolved significantly over the decades. Initially serving a small group of employees, we now manage total assets exceeding $1,466,511,223. Our journey reflects our commitment to adapt and grow alongside our members' needs while staying true to our mission of providing accessible financial services that empower individuals and strengthen the community. At Red River Employees, we believe in making banking easier for everyone. Our mission is clear: to provide quality financial services while fostering a supportive environment for all members. We offer a wide range of products, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We are here not just as a bank but as a partner in your financial journey. We also recognize the importance of accessibility in today's world. That's why we have invested in digital advancements like online banking and mobile payments to ensure you can manage your finances anytime and anywhere. Plus, our branch is equipped with ADA-compliant facilities to serve all members effectively. While members can visit us at 4405 Summerhill Rd, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505-5909. Our doors are open Monday through Friday from 9 AM to 5 PM and Saturday from 7 AM to 1 PM. We also provide convenient ATM access and drive-thru banking services for quick transactions on the go. Community outreach is an essential aspect of our mission. We actively engage with local organizations and initiatives that uplift those around us. Through partnerships and volunteer efforts, we strive to give back to the community that has supported us throughout the years. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of Red River Employees where your financial well-being is our priority. Visit us or call us at 903-793-7681 today!

Branch Location & Accessibility

Welcome to the Red River Employees branch, conveniently located at 4405 Summerhill Rd in Texarkana, Texas. Our Summerhill Office is easily accessible and designed to meet your banking needs with a friendly touch. Whether you're just passing by or making a special trip, we're here to help you with all your financial needs. You can find us near popular local landmarks, making it easy to incorporate a visit into your day. We have ample parking available right outside our door, along with features that ensure everyone can access our services comfortably, including ADA-compliant ramps. At the Red River Employees branch, we understand that your time is valuable. That's why we offer convenient operating hours from Monday to Friday, 9 AM to 5 PM, and Saturday from 7 AM to 1 PM. If you prefer conducting transactions from the comfort of your vehicle, our drive-thru service is here for you too! For those who prefer electronic banking options, we've got you covered with ATMs on-site for quick cash withdrawals and balance checks. Our team is ready to assist you with various services such as personal banking accounts, auto loans, mortgage loans, and more. While members can visit us at 4405 Summerhill Rd for all their banking needs, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505-5909. If you have any questions or need assistance while visiting us, please don't hesitate to call us at 903-793-7681. We look forward to welcoming you to the Red River Employees branch soon!

Member Eligibility

Becoming a member of Red River Employees is like joining a family that cares about your financial well-being. If you're looking to be part of a supportive community, you'll be pleased to know that eligibility is quite accessible! You can join us if you're an employee of the Red River Army Depot or have family members who are already part of our credit union. Plus, we welcome those who live, work, or worship in Bowie County. This means there's a good chance you qualify! For more details on membership criteria, feel free to check out our website at http://www.rrcu.com/itin-membership. Once you're ready to take the next step, opening an account is straightforward and welcoming. Just visit our online portal at https://secure.rrcu.com/rrcu/sdk/autoenrollmente2e, and you'll be on your way to enjoying all the benefits we offer, from competitive loan rates to personalized service. If you have any questions or need assistance, don't hesitate to give us a call at (903) 793-7681. We're here to help you start your journey with Red River Employees today!

Business Banking & Commercial Services

Loan Options That Make a Difference

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

Alongside our loan offerings, we provide merchant services that simplify transactions. Imagine being able to accept payments quickly and securely, whether your customers are shopping online or in-store. Our solutions ensure you can focus on what matters most growing your business. Located at 4405 Summerhill Rd Texarkana Tx 75503 in Texarkana, TX, our team is ready to partner with you. Contact us today at (903) 793-7681 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Convenient Access

At Red River Employees, convenience is key. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. If you're on-the-go, take advantage of our ATM access for balance checks and cash withdrawals anytime.

Credit Cards and Business Banking

Reward yourself with our credit cards that come with rewards programs designed for everyday spending. Whether it's cash back or travel points, we have options that make using credit more rewarding. For small business owners, we understand the unique challenges you face. That's why we offer tailored solutions like business loans and merchant services to help streamline your operations and grow your enterprise. Our team is ready to assist you in navigating the financial aspects of running a business.

Join Us Today!

Our commitment doesn't stop at providing services; it's about building lasting relationships with our members. If you want to learn more about how Red River Employees can support your financial journey, don't hesitate to reach out! Call us at 903-793-7681 or visit us online at www.rrcu.com. We're excited to help you achieve your financial goals!

Loans and Financing

Thinking about buying a vehicle? Our auto loans and vehicle financing options ensure that you can drive away in your dream car without breaking the bank. For those considering homeownership or refinancing an existing mortgage, we provide competitive rates on mortgage loans that can fit any budget. Additionally, if you're facing unexpected expenses or need to consolidate debt, our personal loans offer flexible terms that work for you.

Personal Banking

When it comes to personal banking, we offer various checking and savings accounts designed to fit different lifestyles. Imagine being able to manage your money effortlessly through our online and mobile banking options. You can check balances, transfer funds, and even make payments right from your phone or computer. Plus, with our ATM services, you can easily access cash whenever you need it.

Digital & Online Banking

Key Features

Our online banking platform is equipped with features that prioritize both convenience and security. You can easily sign documents through Electronic Signature Authorization, which allows you to complete transactions without the hassle of printing or mailing forms. Plus, with E-Statements Availability, you can go paperless and access your statements securely online. Need to send money to a friend or family member? Our Person-to-Person Transfers make it simple! Just enter their information and the amount you'd like to send it's that straightforward. And if you prefer using your smartphone for transactions, our Mobile Application Availability means you can manage your accounts right from the palm of your hand.

Stay Connected

We also offer a Mobile Payments Feature, allowing you to pay for purchases quickly and securely from your mobile device. This way, whether you're shopping in-store or online, managing payments has never been easier. At Red River Employees, we are dedicated to providing user-friendly services that help you stay in control of your finances. With our digital banking tools, real-time account management is right at your fingertips. Enjoy the freedom of banking on your terms!

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 amounting to $4,077,091, we ensure that we have the resources needed to meet your needs effectively. 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 4405 Summerhill Rd Texarkana Tx 75503 or call (903) 793-7681 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident with a net income of $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 assist you with knowledgeable service.

Reinvestment for 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. This commitment to reinvestment helps us maintain a robust lending capacity, reflected in our $13,861 in used auto loans and $1,081,217,124 in total loans and leases available to support your financial goals across various sectors.

Secure Savings Options

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. We prioritize our members over traditional banking practices; currently, we hold $0 in non-member deposits, which means our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid 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 flexible terms and competitive rates that make it easier for you to drive away in your dream vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $115,305,437 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business operations, we have loan options tailored just for you.

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 are here to guide you through the process, ensuring that you find a solution that fits your budget.

Refinancing Options

If you're considering refinancing any of your current loans, our team is ready to assist you with eligibility options and guidance through the application process. Refinancing could lower your monthly payments or help you pay off your debt faster. At Red River Employees, we aim to empower our members with financial solutions that meet their needs today and into the future. For more information on any of these products or to begin your application process, feel free to reach out at (903) 793-7681 or visit us at our branch located at 4405 Summerhill Rd Texarkana Tx 75503 in Texarkana, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging. That's why 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. Enjoy easy access to credit for those unexpected costs without the burden of collateral.

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