River To River Credit Union Vienna IL | Affordable Auto Loans & Business Banking

Introduction

At River To River, we pride ourselves on being a trusted financial partner in the heart of Vienna, Illinois. Located at 1895 State Route 146 E, our branch has been serving the community since 1972, providing personalized banking solutions to enhance the financial well-being of our members. With a strong commitment to our mission, we currently support over 2,348 members with a robust asset base of $26,622,051. While members can visit us at our branch address, official correspondence should be sent to our mailing address: P.O. Box 516, Vienna, IL 62995. Our friendly team of 6 employees, led by CEO Steven Sanders and Board President Larry McGill, is dedicated to ensuring that your banking experience is both enjoyable and rewarding. Our comprehensive services range from personal checking and savings accounts to auto loans and mortgages. We understand the importance of community engagement and aim to positively impact the lives of those we serve. With total deposits of $1,909,812 and total loans exceeding 1,071, we are here to meet your financial needs. Whether you're looking for competitive rates on loans or simply need assistance managing your finances, we invite you to explore what River To River has to offer. Visit our website at r2rcu.com or give us a call at 618-658-8312. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Our dedication to community outreach is evident through various partnerships and programs aimed at uplifting those around us. From sponsoring local events to providing scholarships for students pursuing higher education, we are committed to making a positive impact in Vienna. As we continue this journey together, we invite you to join River To River Credit Union. Experience the benefits of being part of a community-focused institution where your financial goals are prioritized. Let's work together towards a brighter financial future! For more information or assistance, feel free to call us at 618-658-8312 during our lobby hours: Monday through Friday from 8:30 AM to 4:30 PM.

Our Mission

At River To River, our mission goes beyond just providing financial services. We aim to empower our members by offering personalized banking experiences that cater to their unique needs. We believe in fostering strong relationships within the community while promoting financial literacy and stability. Our commitment extends to supporting local initiatives that enhance the quality of life for everyone in Vienna and its surrounding areas. In addition to traditional services like checking accounts and loans, we embrace digital advancements with online banking and mobile payment options. This allows us to serve you better while ensuring accessibility for all members, including those with disabilities. While members can visit us at 1895 State Route 146 E, official correspondence should be sent to P.O. Box 516, Vienna, IL 62995.

Branch Location & Accessibility

Welcome to River To River, your friendly neighborhood credit union located at 1895 State Route 146 E in the charming city of Vienna, Illinois. Nestled in Johnson County, our branch is easily accessible and conveniently situated near popular local landmarks. Whether you're heading to the nearby Vienna Community Center or enjoying a day out at the local parks, you can easily stop by for all your banking needs. At River To River, we prioritize your convenience. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps for easy access. You can visit us during our lobby hours from Monday to Friday, where we're open from 8:30 AM to 4:30 PM. If you prefer a quick transaction, take advantage of our drive-thru banking service for deposits and withdrawals without leaving your vehicle. For those on the go, we offer ATM services so you can access cash when you need it most. Our friendly staff is always ready to assist with a range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and more. While members can visit us at our branch address for in-person services, official correspondence should be sent to P.O. Box 516, Vienna, IL 62995. Ready to experience exceptional service? Call us today at 618-658-8312 or drop by River To River. We look forward to welcoming you!

Member Eligibility

Becoming a member of River To River feels like joining a family that truly cares about your financial well-being. If you're looking to enjoy a range of benefits tailored just for you, eligibility is simple and straightforward. At River To River, anyone who lives, works, worships, or attends school in the local area is warmly invited to join our community. We believe that everyone deserves access to affordable banking solutions and personalized service. You can find more detailed information about membership criteria at . Opening an account with us is an easy process that puts you on the path to enjoying our services, whether it's auto loans, savings accounts, or online banking options. If you have questions or need assistance, feel free to reach out to us at (618) 658-8312. We're here to help make your transition into membership as smooth as possible!

Business Banking & Commercial Services

Business 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. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that fit various needs.

Merchant Services

In addition to loans, we offer merchant services that make transactions smoother for your customers. Imagine having a reliable payment processing system that allows you to accept payments anytime, anywhere whether it's through credit cards or mobile payments. This convenience not only enhances customer satisfaction but also streamlines your operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Vienna, IL. Let us partner with you on your journey towards success! Visit us at 1895 State Route 146 E Vienna Il 62995 or call us at (618) 658-8312 to explore how we can support your business today.

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we offer tailored business banking solutions, including merchant services and business loans. We understand the challenges of running a business, and we're here to help you thrive by providing the necessary financial tools.

Convenient Access Points

You can easily access your funds through our ATM services and drive-thru banking for quick deposits and withdrawals. Our basic drive-thru allows for simple transactions without leaving your car, perfect for busy days when time is of the essence.

Credit Cards with Benefits

Our credit cards with rewards are designed not just for spending but for earning as well. Whether it's cash back on everyday purchases or points toward travel, we ensure that every dollar spent counts towards something rewarding.

Join Us Today!

With services like online banking, mobile payments, and basic ATM access available at your fingertips, managing your finances has never been more convenient. At River To River, we're committed to making your banking experience enjoyable and accessible. If you have any questions about how we can assist you or want to learn more about joining our credit union family, don't hesitate to give us a call at (618) 658-8312. We're here to help!

Loans Tailored for You

When it comes to financing a new vehicle or purchasing your dream home, we've got you covered with our auto loans and vehicle financing options. If you're considering buying a house, our mortgage loans and refinancing services can help make that process smooth and straightforward. For those unexpected expenses or plans that pop up, our personal loans and debt consolidation options provide the financial support you need.

Personal Banking Made Easy

Whether you're looking to save for the future or manage daily expenses, our checking and savings accounts offer flexibility and ease. With online and mobile banking, you can access your accounts anytime, anywhere, making it simple to check balances or transfer funds on the go. Imagine being able to handle all your banking tasks while waiting in line or relaxing at home!

Digital & Online Banking

Convenient Online Access

With our 24/7 online banking services available at https://r2rcu.com/ , you can check your account balances, transfer funds, and pay bills anytime, anywhere. No more rushing to the bank before it closes; you have the freedom to manage your finances when it suits you best.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application is here to help. This user-friendly app makes it simple to access your accounts, deposit checks, and even set up mobile payments. Say goodbye to carrying cash! With our mobile payments feature, you can make purchases quickly and securely right from your phone.

Secure and Simple Transactions

We prioritize your security at River To River. While we currently do not offer electronic signature authorization for transactions, we ensure all online activities are protected through robust security measures. Unfortunately, person-to-person transfers aren't available right now, but rest assured that any transactions made through our platform are safe and secure. At River To River, we're committed to providing you with accessible and efficient banking solutions. With our digital and online banking options, managing your money is not just straightforward; it's designed to fit seamlessly into your life. Explore these features today at https://r2rcu.com/ !

Stay Organized with E-Statements

Keeping track of your financial statements has never been easier thanks to our e-statements availability. You can view, download, or print your statements directly from our online platform no more cluttered paper files! Plus, receiving electronic statements helps reduce your carbon footprint while keeping your information secure.

Financial Strength

Commitment to Growth

With $2,674,430 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial goals is also reflected in our lending capacity; we have $501 in used auto loans and $13,395,291 in total loans and leases available for our members.

Member Savings and Investments

Members' savings are secured through $353,993 in share certificates and $146,654 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 $455,366, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 5 full-time employees and 1 part-time employees ready to serve you with knowledge and dedication.

Solid Financial Health

With a net worth of $3,129,796, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,176 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partner for Your Financial Journey

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River To River is your trusted partner. Visit us at 1895 State Route 146 E Vienna Il 62995 or call (618) 658-8312 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $7,533,635 in used vehicle loans and $2,071,808 in new vehicle loans already helping members get on the road. We have options for both new and used vehicles that make financing simple and affordable. Plus, if you're considering refinancing your current auto loan, we can assist you with eligibility options to ensure you get the best deal possible.

Credit Lines

In addition to our other offerings, we provide credit lines totaling $1,000,000. These lines are perfect for managing cash flow or making larger purchases without the need for multiple loans. Whether it's for personal use or business needs, having access to funds when you need them can relieve financial stress. At River To River, we're dedicated to helping our members navigate their financial journeys with confidence. If you have questions about our loan products or would like assistance in applying for any of these options, feel free to reach out at (618) 658-8312 or visit us at 1895 State Route 146 E Vienna Il 62995 in Vienna, IL. 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 $2,875, make buying or refinancing straightforward. We believe that securing a home should be an achievable dream for everyone. Our team is ready to guide you through each step of the mortgage process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product is ideal for those looking to build credit or cover unexpected expenses without having to rely on secured options.

Loan Aggregator

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RIVER TO RIVER CREDIT UNION