Red River Employees Credit Union Texarkana TX | Credit Cards with Rewards & Business Banking

Introduction

Welcome to Red River Employees, where your financial well-being is our top priority! Located at 2700 B University Ave, Texarkana, TX 75503, we are more than just a credit union; we are a community partner dedicated to serving our 121,775 members since our establishment in 1943. With total assets exceeding $1.4 billion and total deposits around $119.8 million, we pride ourselves on being a stable and reliable choice for all your banking needs. At Red River Employees, we offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our commitment to you extends beyond just numbers; we aim to foster a welcoming environment that supports your financial goals and dreams. While members can visit us at our branch for personal service, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505. If you have any questions or need assistance, feel free to reach out to us at 903-735-3000. Led by our dedicated CEO, Bradley Bailey, and Board President Fred Milton, our team is here to provide personalized support tailored to your unique financial journey. With a workforce of 380 employees, we ensure that you receive the best possible service every time you walk through our doors or connect with us online. Explore our offerings today by visiting our website at http://www.rrcu.com , and discover how Red River Employees can help you thrive financially!

Branch History & Mission

Our Evolution

Since opening our doors, we have continually adapted to meet the needs of our community. From offering essential banking services like checking and savings accounts to providing auto loans and mortgages, Red River Employees has evolved alongside the changing landscape of finance. Our commitment to accessibility is reflected in our operating hours: lobby service Monday through Friday from 9 AM to 5 PM and drive-thru service available from 7:30 AM to 6 PM. Our rich history is marked by key milestones that include embracing digital advancements such as online banking and mobile payments, ensuring that our members can manage their finances anytime and anywhere. We proudly maintain ADA compliance throughout our services, making banking accessible for everyone.

Our Mission

At the heart of Red River Employees lies our mission: to provide exceptional financial services while fostering community support. We believe that everyone deserves access to quality financial products and education. This commitment drives us to not only serve our members but also invest in local initiatives that uplift and strengthen the Texarkana area. Through partnerships with local organizations and outreach programs, we strive to make a positive impact on the lives of those we serve. Whether it's helping a family secure their first home or providing financial literacy resources, we are dedicated to empowering our community one member at a time. While members can visit us at 2700 B University Ave Texarkana Tx 75503, official correspondence should be sent to PO Box 5909, Texarkana, TX 75505. For any inquiries or assistance, feel free to reach out at (903) 735-3000. We invite you to experience the benefits of being part of Red River Employees. Join us today and discover how we can help you achieve your financial dreams while supporting your community! Visit us online at www.rrcu.com or come by our branch we look forward to welcoming you!

Branch Location & Accessibility

Connect With Us

Have questions? Give us a call at 903-735-3000 or stop by! We look forward to welcoming you into our community and assisting with all your financial goals. Come see why so many people trust Red River Employees as their go-to credit union!

Convenient Access

At Red River Employees, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking spaces to ensure everyone can access our services comfortably. If you prefer drive-thru banking, we have that option available too, allowing you to conduct your banking needs without leaving your vehicle.

Operating Hours

We are here for you during convenient hours: our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and the drive-thru operates earlier from 7:30 AM to 6:00 PM on those same days. Whether you're looking to open an account, make deposits, or explore loan options, our friendly staff is ready to assist you.

Services Offered

Red River Employees offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM availability at our branch, accessing your funds has never been easier! While you can visit us at our physical location for all your banking needs, if you need to send official correspondence, please use our mailing address: PO Box 5909, Texarkana, TX 75505.

Member Eligibility

At Red River Employees, we believe that everyone deserves a chance to be part of a supportive community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly criteria. If you live, work, or worship in the Texarkana area, you're already on the right track! We also welcome family members of existing members, which means it's easy to share the benefits with your loved ones. You can find more detailed eligibility information at http://www.rrcu.com/itin-membership . Opening an account is just as straightforward! Whether you're looking for personal banking options or loans, we have you covered. Just visit us at 2700 B University Ave Texarkana Tx 75503 or give us a call at (903) 735-3000 to get started on your membership journey today. We can't wait to welcome you into our community! For those ready to take the next step, you can begin the account opening process online at https://secure.rrcu.com/rrcu/sdk/autoenrollmente2e .

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing and enhance customer experience. Imagine having the ability to accept payments seamlessly, whether online or in-store. Our services ensure you can focus on what you do best running your business while we handle the complexities of transactions. Located at 2700 B University Ave Texarkana Tx 75503 in Texarkana, TX, our dedicated team is ready to partner with you. Reach out today at (903) 735-3000 to discover how Red River Employees can help take your business further.

Tailored 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.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we understand how important it is to have reliable banking options. Our business banking services include merchant services and business loans designed to help you grow and manage your company efficiently. We're here to support local businesses with financial products that cater specifically to their needs.

Credit Cards and Rewards

For those who enjoy rewards on their purchases, we offer credit cards that come with various benefits tailored to fit your lifestyle. Whether it's cash back on groceries or travel rewards for your adventures, our cards can help you earn while you spend.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Red River Employees provides robust online and mobile banking platforms. You can manage your accounts anytime and anywhere whether you're checking balances, making transfers, or paying bills all from the comfort of your home or on the go. Plus, our ATM services ensure that accessing cash is simple and straightforward.

Drive-Thru and ATM Services

Need quick access? Our drive-thru service allows for deposits and withdrawals without leaving your car. For even more convenience, our ATMs let you withdraw cash or check balances at any time. As a member of Red River Employees, you have access to an array of financial services tailored just for you. We pride ourselves on being more than just a credit union; we're a partner in helping you achieve your financial goals. Ready to experience all that we offer? Visit us today or check out our website at http://www.rrcu.com for more information!

Personal Banking Services

Whether you're looking to open a checking or savings account, Red River Employees offers personal banking solutions designed for everyday life. Imagine having a checking account that helps you manage your daily expenses effortlessly while also growing your savings over time. Our auto loans and vehicle financing options make purchasing your next car easy and affordable. With flexible terms and competitive rates, you can get behind the wheel without breaking the bank. If you're considering home ownership or refinancing your current mortgage, our mortgage loans provide the support you need. We guide you through every step of the process, ensuring that you find the right solution for your financial situation. Additionally, our personal loans are available for debt consolidation or any unexpected expenses that may arise.

Digital & Online Banking

Accessible and User-Friendly

We pride ourselves on making banking accessible for everyone. Our user-friendly interface allows members to navigate their accounts effortlessly. Whether you're tech-savvy or just getting started with online banking, you'll find it straightforward and intuitive. Join us at Red River Employees where managing your money is not just a task it's an experience designed for your lifestyle. Discover how our digital banking solutions can simplify your financial life today!

Key Features

With our online banking services, you can access your accounts 24/7, allowing you to check balances, transfer funds, and pay bills without ever stepping foot in a branch. You can also enjoy the benefits of e-statements, which means no more paper clutter just easy access to your statements right when you need them. If you're worried about security, rest assured that we offer electronic signature authorization for added peace of mind when completing transactions. Managing your finances has never been easier! Our mobile application is available for download, giving you the power of banking right in your pocket. Plus, with features like mobile payments and person-to-person transfers, sending money to friends or family is as simple as a few taps on your phone.

Financial Strength

Lending Capacity

Our lending capacity supports members' financial needs across various sectors, with $13,861 in used auto loans and $1,081,217,124 in total loans and leases. This wide array of offerings ensures that no matter what you're looking to finance be it a new car or home improvement we have options available for you.

Member Savings Security

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 $7,860,479 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 363 full-time employees and 17 part-time employees who are always ready to assist you with their knowledge and dedication.

Reinvestment in Member Services

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 helps us support your financial goals effectively.

Solid Financial Foundation

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.

Trust Built on Experience

Total Share Accounts: 235,128, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,077,091. This level of trust underscores the reliability of Red River Employees, where your money is safe. 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 2700 B University Ave Texarkana Tx 75503 or call (903) 735-3000 to learn more about how we can help you achieve your financial goals.

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 eyeing a brand-new model or a reliable used car, we have options for you.

Commercial Loans

For business owners, our outstanding commercial loans totaling $115,305,437 provide the capital needed to grow and expand. We are committed to supporting local businesses as they thrive in our community. At Red River Employees, we believe in empowering our members through responsible lending practices. If you're considering refinancing or need assistance determining your eligibility for any of these products, don't hesitate to reach out. You can contact us at 903-735-3000 for personalized support from our friendly team. 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 to explore how we can help you achieve your financial aspirations!

Credit Lines and Unsecured Credit Card Loans

For those looking for financial flexibility, we also offer credit lines totaling $663,494,846 and flexible terms on unsecured credit card loans. With a total of $17,181,595 in unsecured credit card loans helping members manage their finances effectively, you can have peace of mind knowing that funds are available when you need them.

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 work closely with our members to provide tailored solutions that fit your budget and future plans.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 guarantees that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh ensures that all loan comparisons reflect accurate and trustworthy information.

RED RIVER EMPLOYEES FEDERAL CREDIT UNION - Texarkana, TX

Type of Loan Offerings

Personal Loans