Responders Emergency Services Credit Union Spokane WA | Best Auto Loans & Business Banking

Introduction

Welcome to Responders Emergency Services Credit Union, your trusted financial partner located at 924 W Sinto Ave, Spokane, WA 99201. Established in 1966, we have been serving our members with dedication and care for over five decades. With a total membership of 2,572, our community is at the heart of everything we do. At Responders Emergency Services, we pride ourselves on our impressive financial health, boasting total assets of $57,593,016 and total deposits reaching $3,456,665. Our commitment to providing excellent service is reflected in our ability to manage 2,012 loans and leases, ensuring that you have access to the funds you need when you need them. Under the leadership of CEO Joyce Lockard and Board President Ryan Snider, our team of 14 employees works tirelessly to support your financial goals. We understand the importance of personalized service and strive to foster strong relationships with each member. Whether you're looking for auto loans, personal banking services, or business banking solutions, we are here to help. While members can visit us at our branch location for any inquiries or transactions, official correspondence should be sent to our mailing address: 924 W Sinto Ave, Spokane, WA 99201-2531. Explore what makes us unique by visiting our website at myrescu.org. If you have any questions or would like to learn more about how we can assist you financially, feel free to call us at 509-327-3244. Join us as we continue to make a positive impact in the community!

Branch History & Mission

At Responders Emergency Services Credit Union, we take pride in our rich history and commitment to the community. Founded in 1966, our branch has grown alongside the vibrant city of Spokane, WA, where we serve our dedicated members from our location at 924 W Sinto Ave. Over the years, we have become a trusted financial partner for many, with a current membership of over 2,572 individuals who rely on us for their financial needs. Our mission is simple yet impactful: to provide exceptional financial services while supporting our community. We believe that everyone deserves access to quality banking options, which is why we offer a range of products including personal banking accounts, auto loans, mortgage loans, and credit cards with rewards. Our aim is not only to help members achieve their financial goals but also to foster a strong sense of community through outreach and support programs. Since our inception, we've made significant strides in ensuring that our services meet the evolving needs of our members. Today, with total assets exceeding $57 million and ongoing efforts to enhance digital services like online banking and mobile applications, we are equipped to serve you better than ever. While we currently do not have ATM availability on-site, we invite you to utilize our drive-thru service for deposits and withdrawals during lobby hours Monday through Friday. As part of our commitment to inclusivity and accessibility, we continually strive to maintain ADA compliance within our facilities. This ensures that all members can easily access our services without barriers. While members can visit us at 924 W Sinto Ave for all their banking needs, official correspondence should be sent to the same address as our mailing address: 924 W Sinto Ave, Spokane, WA 99201-2531. Should you need assistance or have any questions about how we can help you financially, please don't hesitate to reach out at (509) 327-3244. At Responders Emergency Services Credit Union, we believe in building lasting relationships with our members and contributing positively to the Spokane community. Join us today and experience the benefits of being part of a credit union that truly cares! Visit us online at myrescu.org for more information about membership and services available just for you.

Branch Location & Accessibility

Welcome to the Responders Emergency Services Credit Union, conveniently located at 924 W Sinto Ave, Spokane, WA 99201. Our branch is nestled in a vibrant area of Spokane, making it easy for you to access our services while enjoying the local scenery. We're just a stone's throw away from popular landmarks, ensuring you can stop by and see us whenever you're in the neighborhood. Whether you're driving or walking, you'll find our location accessible and welcoming. Parking is available nearby, allowing for a hassle-free visit. Plus, we take pride in being ADA compliant, so all members can easily navigate our facilities. Our branch operates with flexible hours to fit your busy schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, and on Fridays, we're open until 6 PM for your convenience. If you prefer a quick transaction, don't forget about our drive-thru service available during these hours as well! At Responders Emergency Services Credit Union, we offer a variety of personal banking services tailored to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. While we do not have an ATM on-site currently, our friendly staff is ready to assist you with any cash withdrawal services at the drive-thru. If you need to reach us or have questions about your banking options, don't hesitate to call us at 509-327-3244. We're here to help! And remember, if you need to send any official correspondence, please use our mailing address: 924 W Sinto Ave, Spokane, WA 99201-2531. We invite you to come by and see how we can support your financial journey. Whether you're looking for assistance with loans or simply want to learn more about what we offer, we're excited to welcome you!

Member Eligibility

At Responders Emergency Services, we believe that everyone deserves a financial partner that truly cares. Becoming a member is simple and welcoming. If you live, work, or worship in the Spokane area, you're already eligible to join our community! We aim to support our members with fantastic banking services tailored to your needs. You can find all the specific eligibility details on our website at https://www.myrescu.org/membership. Opening an account with us is just as easy! Whether you're looking for checking and savings options, auto loans, or credit cards, we've got you covered. Just visit us at our branch located at 924 W Sinto Ave Spokane Wa 99201 or give us a call at (509) 327-3244 for more information about the straightforward account opening process. Join us today and experience the benefits of being part of the Responders Emergency Services family!

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 our loan options, we provide merchant services designed to streamline your operations. Imagine being able to process payments easily, manage transactions seamlessly, and focus on what matters most growing your business. Our services are here to enhance your cash flow and simplify daily operations. Visit us at 924 W Sinto Ave Spokane Wa 99201 in Spokane, WA or contact us at (509) 327-3244 to explore how our business banking solutions can empower your success!

Comprehensive List Of Services

Accessing Your Funds

We know sometimes you need cash on the go. While we don't have ATMs available at this branch location, our drive-thru service provides basic banking needs like deposits and withdrawals efficiently. Whether it's a quick transaction during your lunch break or handling larger tasks without stepping inside, we aim to make banking as easy as possible. As part of our commitment to service excellence, we invite you to reach out with any questions about how we can assist you further. Call us at (509) 327-3244 or visit us online at Responders Emergency Services Credit Union for more details about opening an account or applying for a loan. We look forward to helping you achieve your financial goals!

Business Banking

For our business members, Responders Emergency Services offers comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or need funds to expand an existing one, our team is here to assist you every step of the way.

Credit Cards and Rewards

To reward your spending habits, we also provide credit cards with rewards that give back as you shop. This means you can earn points or cash back on everyday purchases, making it easier to save for future goals or enjoy special treats.

Digital Banking Convenience

In today's fast-paced world, having access to your finances at any time is crucial. That's why we have invested in robust online and mobile banking platforms that allow you to manage your accounts conveniently from anywhere. You can check balances, transfer funds, pay bills, and even conduct person-to-person payments all from your smartphone or computer.

Personal Banking Services

We understand that everyone's financial journey is unique. That's why our personal banking services include checking and savings accounts designed to help you manage your money effectively. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help get you on the road quickly and affordably. For those looking to purchase a home, we offer mortgage loans and refinancing solutions that can make homeownership more accessible. Additionally, our personal loans and debt consolidation services provide support for various needs, from unexpected expenses to big life changes.

Digital & Online Banking

Convenient Online Banking

Our 24/7 online banking service allows you to check your balance, pay bills, and transfer funds anytime you need. Whether you're at home or on the go, accessing your account is easy through our website at https://www.myrescu.org/. You can even set up electronic statements for quick access to your financial documents no more waiting for paper copies in the mail!

Enhanced Security Features

We prioritize your security with electronic signature authorization, ensuring that your transactions are safe and verified. You can bank with confidence knowing that we use advanced security measures to protect your personal information. In addition, while we currently do not offer mobile payments directly through our services, we strive to provide a comprehensive digital banking experience that meets your needs today and into the future. With Responders Emergency Services, you have all the tools necessary for effective financial management right in your pocket. Experience convenience like never before with our robust digital banking offerings!

User-Friendly Mobile Application

For those who prefer banking on their smartphones, our mobile application offers all the features you need right at your fingertips. With this app, you can manage your accounts effortlessly and enjoy real-time updates about your finances. Plus, if you want to send money to friends or family quickly, our person-to-person transfer feature makes it a breeze.

Financial Strength

Growing Membership Trust

The trust our community places in us is evident with 5,432 total share accounts. This growing member base shows that more individuals are choosing Responders Emergency Services as their trusted financial partner. With net shares available for lending and investments at $251,693, we are positioned well to meet the needs of our members. 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 924 W Sinto Ave Spokane WA 99201 or call 509-327-3244 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Member-Centric Savings Solutions

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 financial performance reflects operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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, committed team.

Reinvestment for Growth

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 is robust; we have $37,175,182 in total loans and leases, including 488 used auto loans that support our members' financial goals across various sectors.

Solid Financial Health

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 15.78% 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 financing a brand-new model or a reliable pre-owned vehicle, our flexible terms can accommodate your budget.

Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans, with a total of $1,041,451 in loans helping members manage their finances effectively. Enjoy flexible repayment options and rewards programs that fit your lifestyle.

Credit Lines

We also offer credit lines totaling $6,000,000 for those who need access to additional funds on an as-needed basis. This option is perfect for unexpected expenses or planned projects. If you're considering refinancing any of these loans, be sure to ask us about eligibility options. Our team is ready to work with you to find the best solutions tailored to your financial situation. For more information about our loan offerings, please contact us at (509) 327-3244 or visit us at our branch location. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams!

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 competitive rates and personalized service to help you navigate the home-buying journey.

Loan Aggregator

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