Responders Emergency Services CU Post Falls ID | Affordable Auto Loans & Business Banking

Introduction

At Responders Emergency Services Credit Union, we understand that the financial landscape can be daunting, but you don't have to navigate it alone. Located at 3640 E Seltice Way, Post Falls, ID 83854, we are dedicated to serving our community with compassion and expertise. Since our establishment in 1966, we've grown into a trusted institution for over 2,572 members who rely on us for their banking needs. We pride ourselves on being more than just a credit union; we are a family. With a total asset base of $57,593,016 and deposits amounting to $3,456,665, our commitment to your financial well-being is stronger than ever. Our CEO, Joyce Lockard, along with Board President Ryan Snider, leads a team of 14 employees who are always ready to assist you. Whether you're looking for personal banking services, auto loans, or business financing options, we've got you covered. While members can visit us at 3640 E Seltice Way, official correspondence should be sent to our mailing address at 924 W Sinto Ave, Spokane, WA 99201-2531. We're here to help you make informed decisions about your finances. Our loan offerings include everything from auto loans (with a total of 2,012 loans issued) to personal loans and credit cards with rewards designed just for you. Your trust means everything to us. That's why we've maintained a net worth of $9,087,839 and keep $550,187 in cash available for our members' needs. We invite you to explore how we can support your financial journey and enhance your experience through our online services at myrescu.org. If you have questions or need assistance, don't hesitate to reach out by calling us at 509-327-3244. Come visit us today and discover the difference that personalized service can make!

Branch History & Mission

Welcome to the heart of Post Falls, where Responders Emergency Services Credit Union has been serving our community since 1966. Nestled at 3640 E Seltice Way, we have built a legacy rooted in support, trust, and commitment to our members. Over the years, we have grown from a small financial cooperative into a thriving credit union, proudly boasting a total membership of 2,572 dedicated individuals who share our vision. Our journey began with a mission: to provide exceptional financial services tailored to the unique needs of our community. As we expanded, so did our offerings. Today, we manage assets totaling $57,593,016, ensuring that our members have access to the resources they need for their financial well-being. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we strive to meet every financial need with care and efficiency. At Responders Emergency Services Credit Union, we believe in more than just banking; we are committed to making a positive impact in Post Falls and beyond. Our mission is simple yet powerful: to empower our members through responsible financial choices while fostering community growth and development. We actively participate in local outreach programs and partnerships that uplift those around us because when our community thrives, we all thrive. While you can visit us at 3640 E Seltice Way, official correspondence should be directed to 924 W Sinto Ave, Spokane, WA 99201-2531. We understand the importance of accessibility; hence our branch features a convenient drive-thru service for quick transactions. Although we currently do not offer ATM services at this location, our commitment remains strong in providing essential banking facilities during our operating hours. As technology continues to advance, so do we. Our digital banking solutions ensure that you can manage your finances anytime, anywhere. From online banking to mobile applications, we've made it easier for you to stay connected with your accounts. Join us on this journey! Experience firsthand the personalized service and dedication that makes Responders Emergency Services Credit Union more than just a place to bank it's a community where you belong. Let's work together towards achieving your financial goals while supporting each other along the way. For more information or assistance, feel free to reach out at 509-327-3244. We look forward to welcoming you into the family!

Branch Location & Accessibility

Accessibility Features

Our branch is committed to ensuring that everyone has access to our services. We provide ADA-compliant facilities, including ramps and designated parking spots. Whether you need to stop by for a quick transaction or require assistance with more complex banking tasks, our friendly staff is here to help.

Call to Action

Ready to experience hassle-free banking? Stop by our Post Falls Branch today or give us a call at 509-327-3244. We look forward to serving you!

Mailing Information

While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address at 924 W Sinto Ave, Spokane, WA 99201-2531.

Operating Hours

We understand that life gets busy, so we offer flexible operating hours to accommodate your schedule. Visit us during the week; we're open for your convenience! If you're unable to make it inside, don't worry our drive-thru service makes banking simple and efficient. You can handle deposits and withdrawals without leaving your vehicle.

Services Offered

At Responders Emergency Services Credit Union, we offer a range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we strive to provide solutions that help you achieve your financial goals.

Member Eligibility

Joining the family at Responders Emergency Services is more than just opening an account; it's about becoming part of a supportive community that cares for its members. To be eligible, you typically need to be associated with our mission or meet specific criteria outlined on our website. This includes individuals who work, live, or worship in certain areas or are part of specific organizations. We invite everyone to check out the detailed eligibility requirements at https://www.myrescu.org/membership. Once you're ready to take the next step, opening an account is simple! You can start your membership journey right from the comfort of your home or visit us at our welcoming location at 3640 E Seltice Way Post Falls Id 83854. Our team is here to guide you through the process and answer any questions you may have. For further assistance, feel free to give us a call at (509) 327-3244. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your payment processing. Picture a busy Saturday at your local shop customers are ready to check out, and you need a reliable way to accept payments. Our merchant services ensure that transactions are smooth and efficient, allowing you to focus on what matters most: serving your customers. Visit us at 3640 E Seltice Way Post Falls Id 83854 in Post Falls, ID, or give us a call at (509) 327-3244 to learn more about how we can support your business journey.

Comprehensive List Of Services

Business Banking

For our business members, we recognize that managing finances can be challenging. That's why we offer comprehensive business banking services, including merchant services that simplify transactions and help streamline your operations. Our business loans are designed to give you the capital needed to grow and thrive.

Credit Cards with Rewards

To enhance your spending power, we also provide credit cards with rewards. Imagine earning points on every purchase you make whether it's groceries, gas, or a night out allowing you to redeem those points for travel, merchandise, or cash back. This is just one way we strive to add value to your everyday spending.

Drive-Thru Banking

We also believe in providing ease of access through traditional means. Our basic drive-thru banking service allows you to handle deposits, withdrawals, and simple transactions quickly without leaving your car. This service is especially handy when you're busy but still want personalized assistance. As you can see, whether you're seeking personal finance solutions or business support, Responders Emergency Services has something for everyone. We invite you to visit us at 3640 E Seltice Way Post Falls Id 83854, call us at (509) 327-3244, or explore more about what we offer on our website: Responders Emergency Services Credit Union Post Falls Branch. Let us help you achieve your financial goals today!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at Responders Emergency Services, we prioritize digital access through our robust online and mobile banking platforms. You can check balances, transfer funds, pay bills, and even apply for loans all from the comfort of your home or on-the-go using our mobile app.

Personal Banking

For individuals and families, we offer a variety of personal banking options. Our checking and savings accounts provide the perfect foundation for managing daily expenses and saving for future goals. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. Additionally, our mortgage loans and refinancing services make home ownership more attainable, while our personal loans and debt consolidation products offer flexibility for unexpected expenses or financial planning.

Digital & Online Banking

Convenient Transactions

Need to send money quickly? Our person-to-person transfer feature allows you to send funds directly to friends or family with ease. And if you're always on the move, you'll appreciate our mobile payments option that lets you make purchases right from your smartphone (note: this feature is currently not available). In today's fast-paced world, having control over your finances at all times is essential. With the services offered at Responders Emergency Services, managing your money has never been easier or more secure. Join us today and experience the convenience of modern banking!

Key Features

With just a few clicks at https://www.myrescu.org/, you can take advantage of our user-friendly online banking platform. Check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our mobile application is also available, giving you instant access to your account right in your pocket. Worried about security? You'll be pleased to know that we offer electronic signature authorization for document signing, which streamlines processes while keeping your information safe. Plus, with e-statements available, you can manage your statements digitally without the clutter of paper.

Financial Strength

A Growing Member Base

We currently have 5,432 total share accounts, showing a strong and growing member base that trusts us with their finances. This growth allows us to strengthen our offerings continuously while staying responsive to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Responders Emergency Services is your trusted partner. Visit us at 3640 E Seltice Way Post Falls Id 83854 or call 509-327-3244 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Investment in Member Services

With $9,087,839 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 $37,175,182 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $8,424,931 in share certificates and $6,933,542 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 performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 11 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Our Solid Financial Foundation

With a net worth of $9,087,839, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1578 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 $9,180,192 in used vehicle loans and $10,028,724 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines

For those looking for additional flexibility, our total credit lines amounting to $6,000,000 provide an excellent option for unexpected expenses or planned purchases. This allows you to access funds when you need them without having to apply for multiple loans. If you're considering refinancing or exploring eligibility options, our team can guide you through the process and help identify the best solutions tailored specifically for you. To learn more about our loan offerings or to speak with one of our financial experts, please contact us at (509) 327-3244 or visit us at our branch located at 3640 E Seltice Way Post Falls Id 83854 in Post Falls, ID. For more details about membership eligibility and account openings, check out our website at https://www.myrescu.org/. 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 us partner with you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $773,095, make buying or refinancing simple. We provide personalized support to ensure that you find the right mortgage solution for your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,041,451 in loans helping members manage their finances effectively. Our credit cards come with various features that allow you to earn rewards while managing your spending comfortably.

Loan Aggregator

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