River Community Credit Union Ottumwa IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to River Community, your trusted financial partner in Ottumwa, Iowa! Located at 644 W 2nd St, Ottumwa, IA 52501, we have proudly served our community since 1928. With a commitment to helping our members thrive, we currently boast a robust membership of 3,627 individuals who rely on us for their financial needs. At River Community, we understand the importance of having a reliable institution by your side. Our total assets amount to an impressive $28,891,754, reflecting our dedication to managing your finances wisely. With $4,709,569 in total deposits and a net worth of $4,086,942, our strength lies in ensuring that your money is safe and secure. Our team of 6 dedicated employees, led by CEO Nathan Bissell and Board President Cory Benge, is here to provide personalized service that goes beyond transactions. Whether you need an auto loan or are looking for business financing options, we've got you covered with over 1,742 loans and leases issued to date. While members can visit us at our branch location for all banking needs, official correspondence should be sent to the same address: 644 W 2nd Street, Ottumwa, IA 52501. Don't hesitate to reach out call us at 641-684-6302 or explore our services online at River Community. Join us as we continue to support the financial well-being of our community! Your journey towards better banking starts here.

Branch History & Mission

Welcome to River Community, a cornerstone of financial support in Ottumwa, Iowa. Established in 1928, our branch has proudly served the community for over 95 years, growing alongside our members and adapting to their needs. Located at 644 W 2nd St, we are easily accessible and situated near local landmarks that make us a familiar presence in the area. From our humble beginnings, River Community has evolved into a thriving credit union with a total membership of 3,627 individuals. Our commitment to providing excellent financial services is evident in our robust total assets, which now stand at an impressive $28,891,754. This growth reflects not only our dedication to sound financial practices but also the trust and loyalty of our members. Our mission is simple yet profound: we aim to empower our members through accessible financial services while nurturing a sense of community. We offer a range of products including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our focus is on ensuring that every member feels valued and supported on their financial journey. At River Community, we recognize that modern banking requires convenience and flexibility. That's why we've embraced digital advancements such as online banking and mobile payments. Additionally, our facilities are ADA compliant to ensure accessibility for all members. With an ATM available on-site and drive-thru banking options for quick transactions, we strive to meet the varied needs of our community efficiently. While members can visit us at 644 W 2nd St for all their banking needs, official correspondence should be sent to our mailing address at 644 W 2nd Street, Ottumwa, IA 52501 if it differs from the branch address. Community outreach is at the heart of what we do. Over the years, we have partnered with local organizations to give back and support initiatives that uplift our neighbors. Whether it's sponsoring local events or offering financial literacy workshops, we believe that investing in our community strengthens us all. As we look ahead to the future, we invite you to become part of the River Community family. Join us today and experience firsthand how we can help you achieve your financial goals while being an active participant in making Ottumwa a better place for everyone. For more information or to open an account, please contact us at 641-684-6302 or visit us online at River Community. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

We pride ourselves on being welcoming to all members. Our branch features ADA-compliant access and convenient parking options right outside the entrance, making it easy for everyone to visit us.

Nearby Landmarks

Situated near local favorites like the historic Ottumwa Depot and just a short drive from the vibrant downtown area, our branch is easily accessible whether you're coming from home or work. The surrounding community makes it simple to swing by for banking services before heading out to enjoy everything Ottumwa has to offer.

Operating Hours

Our doors are open Monday through Tuesday from 8:00 AM to 4:30 PM and Friday from 8:00 AM to 5:00 PM. Feel free to stop by during these hours we'd love to see you! If you need assistance outside of those times, give us a call at 641-684-6302, and we'll do our best to help.

Services Offered

At River Community, we offer a range of personal banking services including checking and savings accounts, auto loans and vehicle financing, mortgage loans, personal loans for debt consolidation, and credit cards with rewards. Need cash? Our ATM is available on-site for your convenience. Plus, enjoy the ease of basic drive-thru banking for quick deposits and withdrawals. We invite you to experience our friendly service firsthand! Stop by River Community today or call us at (641) 684-6302 if you have any questions. Your financial journey starts here!

Member Eligibility

At River Community, we believe that becoming a member is like joining a close-knit family that supports one another in achieving financial goals. If you live, work, worship, or attend school in Wapello County, you're already eligible to join us! We welcome individuals from various backgrounds and with different financial needs, making it easy for everyone to be part of our community. By choosing River Community, you'll enjoy personalized service and a range of benefits designed to help you thrive financially. For more details on eligibility, feel free to check out our membership page at http://www.rivercommunitycu.org/membership-application. Ready to take the next step? Opening an account is a breeze! Just visit us at our branch located at 644 W 2Nd St Ottumwa Ia 52501 or give us a call at (641) 684-6302 for assistance. We're here to help guide you through the process and answer any questions you might have. Join us today and experience the difference that being part of River Community can make!

Business Banking & Commercial Services

Commercial Loan Options

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 $13 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 daily operations. Imagine processing payments seamlessly at your storefront or online without worrying about complicated fees or long wait times. Our easy-to-use payment solutions ensure that you can focus on what matters most growing your business. Located at 644 W 2Nd St Ottumwa Ia 52501 in Ottumwa, IA, we invite you to visit us or call us at (641) 684-6302 to learn how our business banking and commercial services can help you thrive.

Comprehensive List Of Services

Business Banking Support

If you're a business owner, we haven't forgotten about you! Our Business Banking solutions include merchant services and business loans that cater specifically to small businesses. We want to support your success by providing the financial tools necessary for growth.

Easy Access and Convenience

To ensure convenience for all our members, we offer various ways to access your accounts. With Online & Mobile Banking, managing your finances has never been easier. You can also take advantage of our ATM services for quick cash withdrawals or balance checks without needing to visit the branch. For those who prefer face-to-face interactions, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions perfect when you're on the go!

Join Us Today!

With so many services designed around your needs, it's no wonder that River Community is committed to being your trusted financial partner in Ottumwa. If you have any questions or need assistance, don't hesitate to reach out at (641) 684-6302 during our operating hours: M-T 8:00 AM - 4:30 PM and F 8:00 AM - 5:00 PM. Ready to take the next step? Visit us online at River Community C. U. to learn more about how we can assist you today!

Loans for Every Need

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. These loans can provide the financial relief you need, allowing you to manage debt more effectively and get back on track. Plus, don't forget about our Credit Cards with Rewards, which offer great benefits for your everyday purchases.

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer Personal Banking services that include checking and savings accounts designed for your everyday banking needs. Imagine having easy access to your funds with features like online and mobile banking, which let you check your balance or transfer money anytime, anywhere. For those considering purchasing a new vehicle or refinancing an existing one, our Auto Loans & Vehicle Financing options are competitive and flexible, ensuring you drive away in the car of your dreams without breaking the bank. If homeownership is on your radar, our Mortgage Loans & Refinancing services can help you navigate the process smoothly.

Digital & Online Banking

Key Features

You'll also appreciate our e-statements feature, allowing you to receive monthly statements electronically. This not only helps reduce paper clutter but also ensures quick access to your financial information. If you're looking for a fast way to send money to friends or family, our person-to-person transfers make it simple and hassle-free. Security is a top priority at River Community. We provide electronic signature authorization for added peace of mind when signing documents online. You can trust that your sensitive information is protected while enjoying the convenience of modern banking. And if you're a fan of mobile payments, we've got you covered! With our mobile payments feature, you can make purchases quickly and securely without needing cash or cards. At River Community, we are committed to making your banking experience smooth and user-friendly. Explore all these features and more by visiting us online at https://www.rivercommunitycu.org/ your secure gateway to managing your finances with ease!

Financial Strength

Commitment to Growth

We have a robust member base with a total of 5,946 share accounts, showing that more people trust us with their finances every day. This trust allows us to build stronger products tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River Community is your trusted partner. Visit us at 644 W 2Nd St Ottumwa Ia 52501 or call (641) 684-6302 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $2,676,604 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 $606 in used auto loans and $20,756,652 in total loans and leases.

Member Savings Security

Members' savings are secured through $9,124,501 in share certificates and $3,931,794 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 operational efficiency is highlighted by a net income of $93,171, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $4,086,942, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.15% 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 $9,448,095 in used vehicle loans and $3,875,632 in new vehicle loans already helping members get on the road. Our financing options are designed to be straightforward and accessible. We also provide refinancing options if you're looking to lower your current payments or consolidate your auto loan.

Credit Lines

In addition to our other offerings, we provide credit lines totaling $939,753, giving you access to funds whenever you need them. This can be particularly useful for unexpected expenses or managing cash flow between paychecks. For any questions about our loan products or to see how we can assist you further, feel free to call us at 641-684-6302. Our team is here to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $36,945, make buying or refinancing simple. We guide you through every step of the mortgage process, ensuring that you find an option that fits your budget.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we also offer unsecured credit card loans with a total of $305,356 available. These cards come with competitive terms that can help you manage your finances effectively without tying you down to collateral requirements.

Loan Aggregator

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Ensuring Accurate Comparisons

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RIVER COMMUNITY CREDIT UNION - Ottumwa, IA

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