Ridgeline Credit Union Salt Lake City UT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Ridgeline, your trusted partner in financial growth and community support. Located at 564 E 300 S, Salt Lake City, UT 84102, we have proudly served our members since 1951. Our commitment to fostering strong relationships and providing personalized service has allowed us to grow into a valued resource for over 1,885 members. At Ridgeline, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans, mortgage options, and even business banking solutions. With total assets exceeding $29,036,713 and total deposits reaching $1,456,865, you can trust that your money is in safe hands. Our team, led by CEO Doug Huntsman and Board President Reg Ecker, is dedicated to delivering exceptional service with a personal touch. We currently employ a passionate team of 4 individuals, all working together to ensure you receive the best experience possible. While members can visit us at our branch location, official correspondence should be sent to the same address: 564 E 300 S, Salt Lake City, UT 84102. For any inquiries or assistance, feel free to reach out by phone at 801-328-1521. Join us at Ridgeline and discover how we can help you achieve your financial goals today! Visit our website at ridgelinecu.com or stop by during our operating hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM - 5:30 PM, and Wednesday from 9:30 AM - 5:30 PM. We look forward to welcoming you into our community!

Branch History & Mission

Commitment to Progress

In an ever-evolving digital world, Ridgeline is dedicated to embracing technology while ensuring accessibility for all members. We offer online and mobile banking services that allow you to manage your finances anytime, anywhere. Although we currently do not provide ATM or drive-thru services at this location, we focus on providing personalized service during our lobby hours from 8:30 AM - 5:30 PM on weekdays (with extended hours on Wednesdays starting at 9:30 AM). As we look toward the future, we remain committed to enhancing member experiences while upholding compliance with ADA standards and offering customer-centric initiatives.

Join Us Today

If you're looking for a financial partner who values your goals as much as you do, consider joining Ridgeline. Together, let's build a brighter financial future for you and our community. Visit us today or reach out at 801-328-1521 we're here to help!

Our Evolution

Located at 564 E 300 S in the heart of Salt Lake City, Ridgeline has always been more than just a place to bank. Our journey began over seven decades ago when we first opened our doors. Since then, we have continuously adapted to meet the changing needs of our members and the community around us. We are proud to say that our success stems not just from our financial expertise but also from our dedication to building lasting relationships. While members can visit us at 564 E 300 S, official correspondence should be sent to the same address. Our branch is conveniently located near popular landmarks and easily accessible for all who need us.

Our Mission

At Ridgeline, our mission is clear: we aim to improve the financial well-being of our members through quality service and innovative solutions. We offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. But beyond these services lies our deeper commitment supporting local initiatives and outreach programs that uplift our community. We understand that banking goes beyond transactions; it's about building trust and fostering growth. Through partnerships with local organizations and events, we strive to contribute positively to Salt Lake City's development.

Branch Location & Accessibility

Accessibility Features

At Ridgeline, we prioritize accessibility. Our branch is ADA compliant and features ramps to ensure everyone can enter easily. Ample parking is available nearby, making it simple for you to stop by and take care of your banking.

Call to Action

Ready to experience convenient banking? Visit us today at Ridgeline in Salt Lake City! If you have questions or need assistance before stopping by, feel free to give us a call at 801-328-1521. We look forward to serving you!

Operating Hours

We want to be available when you need us. Our lobby hours are from 8:30 AM to 5:30 PM on Monday, Tuesday, Thursday, and Friday. On Wednesdays, we open a little later at 9:30 AM but still close at 5:30 PM. Whether you're coming in for personal banking services or just have a quick question, we're here to help during these hours.

Services Offered

Ridgeline offers a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, with our online and mobile banking options, managing your finances has never been easier. Although we don't have an ATM or drive-thru services at this branch, our friendly staff is always ready to assist you with cash withdrawals or any inquiries you may have.

Member Eligibility

Joining the Ridgeline community is like stepping into a warm, welcoming family where your financial needs are truly understood. At Ridgeline, we believe everyone deserves access to the resources that can help them thrive. To become a member, you simply need to meet a few friendly criteria. If you live, work, or worship in Salt Lake County, you're already on your way to joining us! Additionally, if you're related to someone who's a member or if you work for one of our partner organizations, you can enjoy the benefits of membership too. It's all about creating connections and supporting each other. For more detailed information about eligibility, please visit our website at Ridgeline Membership Eligibility. Once you've established your eligibility, opening an account with us is a breeze! You can get started by visiting this link to fill out your application online. If you have any questions along the way or need assistance, don't hesitate to reach out at 801-328-1521. We're here to guide you every step of the way as you embark on your financial journey with Ridgeline at 564 E 300 S Salt Lake City Ut 84102. Welcome aboard!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $95,383, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business with the ability to accept payments anytime, anywhere. Our merchant services do just that, allowing you to focus on what you do best serving your customers. From credit card processing to point-of-sale solutions, we help streamline your operations, making transactions smooth and efficient. Located at 564 E 300 S Salt Lake City Ut 84102, our branch is ready to assist you in navigating the financial landscape. For more information, call us at 801-328-1521 or visit our website at Ridgeline. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Accessing Your Funds

While we don't have ATMs at this location, rest assured that our digital banking features enable quick access to your funds whenever you need them. Whether you're withdrawing cash or checking balances, we've made it simple for you.

Business Banking Services

If you're running a business, we've got you covered too! Our Business Banking services include essential tools like Merchant Services and tailored Business Loans designed to help your company grow. We understand that managing finances can be overwhelming; that's why we're here to simplify the process for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions. With just a few taps on your smartphone, you can check balances, transfer funds, and make payments anytime, anywhere. Our members also enjoy features like Person-to-Person Payments, making it easy to send money to friends or family directly from your account.

Get Started Today!

With all these services available under one roof at Ridgeline, there's no better time than now to take charge of your financial future. Whether you're in Salt Lake City or nearby areas, we're here for you every step of the way. If you have questions or want more information about how we can assist you, don't hesitate to reach out at (801) 328-1521. Visit us online at Corporate Office and discover how we can support your financial goals today!

Personal Banking Solutions

Our personal banking services are designed with you in mind. You can easily manage your finances with our Checking & Savings Accounts, which offer flexibility and convenience for everyday transactions and savings goals. If you're considering a new car, our Auto Loans & Vehicle Financing options will help you get on the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are available to guide you through every step. Additionally, if you're facing debt challenges, our Personal Loans & Debt Consolidation can provide the support you need to regain control over your finances. And don't forget about our Credit Cards with Rewards, giving you more value for your everyday purchases.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. You can enjoy the convenience of e-statements, which means no more paper clutter; simply access your statements digitally and keep track of your finances effortlessly. Plus, with our mobile application, you can manage your accounts on the go. Whether you're commuting or relaxing at home, you have full control over your banking right in your pocket.

Security and Ease of Use

We prioritize your security while making sure our services are user-friendly. Even though we do not currently offer electronic signature authorization, our platform is designed with safety in mind to protect your personal information. For those who love to send money quickly, our person-to-person transfer feature makes it easy to send or receive funds instantly. If you're looking for a fast way to make purchases, our mobile payments feature allows you to pay with just a tap from your smartphone. This means less time fumbling for cash or cards and more time enjoying life. At Ridgeline, we believe that banking should be accessible for everyone. Our digital services are built to provide real-time account management without the hassle. Join us today and experience how easy it is to take control of your finances!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our dedicated staff is here to assist you every step of the way.

Focused on Member Benefits

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.

Growing Member Base

Total Share Accounts: 3,500, showing a strong and growing member base that trusts us with their finances. This growth underscores the confidence our community has in us as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ridgeline is your trusted partner. Visit us at 564 E 300 S Salt Lake City Ut 84102 or call (801) 328-1521 to learn more about how we can help you achieve your financial goals.

Lending Capacity to Support Your Goals

With $269 in used auto loans and $14,244,517 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to purchase a vehicle or need assistance with personal projects, we're here to help.

Operational Efficiency

Our $102,626 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This performance speaks volumes about our dedication to maintaining a thriving credit union.

Our Strong Financial Position

With a net worth of $2,697,082, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $928 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Our Community

With $2,166,545 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our financial strength allows us to support the community while enhancing your banking experience.

Secure Savings Options

Members' savings are secured through $6,776,921 in share certificates and $5,805,043 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your funds highlights our focus on putting members first.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the market. We have already disbursed $3,898,014 in used vehicle loans and $1,583,385 in new vehicle loans, helping members get on the road with confidence. With flexible terms and quick processing times, we make it easy for you to drive away in your dream vehicle.

Business Loans

For entrepreneurs looking to expand their operations, we provide outstanding commercial loans totaling $95,383. These loans are designed to give business owners the capital they need for growth and success. At Ridgeline, we're dedicated to making borrowing accessible and straightforward. Our team is here to guide you through each step of the process and discuss refinancing options if you're interested. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you're ready to explore your options further or have questions about eligibility requirements, feel free to reach out at (801) 328-1521, or visit us at our branch located at 564 E 300 S Salt Lake City Ut 84102 in Salt Lake City, UT. Your journey towards better financial health starts with us!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,099,188. We simplify the process of buying or refinancing your home, ensuring that you have access to the funds needed for such an important investment.

Unsecured Credit Card Loans

Managing finances can be tricky, but our unsecured credit card loans are here to help. We offer flexible terms with a total of $326,336 in unsecured credit card loans available to assist members in handling their expenses effectively.

Loan Aggregator

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Get Started Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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 ensures that all offers presented are fair and transparent. By relying on legitimate financial institutions, LendMesh guarantees verified data for users looking to compare their loan options.

RIDGELINE FEDERAL CREDIT UNION