River Valley Credit Union Ames IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to River Valley Credit Union, where community and trust come together to foster financial well-being. Located at 2811 E 13th St, Ames, IA 50010, our credit union has been serving the Ames community since 1961. With a strong commitment to our members, we proudly support over 6,732 individuals and families who have chosen us as their trusted financial partner. At River Valley, we understand that each member's journey is unique. That's why we offer a variety of services tailored to meet your needs, whether it's personal banking, auto loans, or business financing solutions. Our total assets amount to an impressive $106,096,551, reflecting our solid foundation and dedication to your financial success. While you can visit us directly at our branch for any inquiries or assistance, official correspondence should be directed to 2811 E 13th St, Ames, IA 50010. We are proud of our transparent practices and are always here to help you navigate your financial goals. Our leadership team, led by CEO Brian Godwin and Board President Jeffrey Starnes, is devoted to fostering a welcoming environment where every member feels valued. With a dedicated staff of 15 employees, we ensure that personalized service is always within reach. As we continue to grow, our mission remains clear: to empower you with the tools and knowledge necessary for achieving your dreams. From providing access to over $18,149,969 in deposits to managing more than 3,652 loans and leases, we're here for you every step of the way. If you're looking for a credit union that prioritizes people over profits and invests back into the community, look no further than River Valley Credit Union. Feel free to reach out at (515) 232-1654 or explore more about our services on our website here. Join us today and experience the difference of being part of a member-focused financial institution!

Branch History & Mission

River Valley Credit Union has a rich history that dates back to its founding in 1961, dedicated to serving the financial needs of our community in Ames, Iowa. Over the years, we have grown from a small group of visionaries into a robust organization with over 6,700 members and total assets exceeding $106 million. Our branch, located at 2811 E 13th St, Ames, IA 50010, is not just a place for banking; it's a hub for community connection and support. As we reflect on our journey, we take pride in our commitment to making financial services accessible and beneficial for everyone. From humble beginnings, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions. Our mission is clear: to empower our members through reliable financial services while fostering a spirit of community and support. At River Valley Credit Union, we believe that banking should be straightforward and friendly. Our operating hours from Monday to Friday, 9:00 AM to 5:00 PM provide ample opportunity for members to access our services easily. Although we do not have ATM availability at this location, our drive-thru service is here to assist with deposits and withdrawals quickly and efficiently. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address as our mailing address: 2811 E 13th St, Ames, IA 50010. We strive to ensure that every interaction reflects our dedication to member satisfaction. In addition to providing essential banking services, River Valley Credit Union actively engages in community outreach efforts. We partner with local organizations and participate in events that aim to uplift our neighbors and improve lives in Ames. These initiatives reflect our belief that true success lies not only in financial growth but also in the betterment of the communities we serve. We embrace modern technology by offering online and mobile banking options that allow members to manage their finances conveniently. Whether it's setting up e-statements or using mobile payments, we are committed to enhancing your banking experience while maintaining ADA compliance for accessibility. Join us at River Valley Credit Union where your financial goals are supported by a caring team ready to help you every step of the way. Experience firsthand how we make a difference in both your life and the wider Ames community. For more information or inquiries, feel free to contact us at 515-232-1654. We look forward to welcoming you into our family!

Branch Location & Accessibility

Accessibility Features

We take pride in ensuring that everyone can access our services. Our branch complies with ADA standards, featuring ramps and other accessibility options to accommodate all members. Parking is available right outside the building, making it easy for you to pop in whenever you need assistance.

Contact Us Today!

Ready to take the next step? We encourage you to visit us at River Valley Credit Union or give us a call at 515-232-1654. Our team looks forward to assisting you with all your banking needs!

Operating Hours

Our dedicated team is ready to serve you Monday through Friday from 9:00 AM to 5:00 PM. Whether it's opening a new account or discussing loan options, we're here during those hours to help meet your financial needs.

Services Offered

At River Valley Credit Union, we offer a range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage financing, we've got everything you need under one roof. Need quick cash? Our drive-thru service allows you to handle deposits and withdrawals without leaving your car! Although we do not have ATM services on-site, our drive-thru ensures that basic transactions are fast and convenient.

Member Eligibility

At River Valley, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easier than you might think! If you live, work, or attend school in the Ames area, you're likely eligible to join us. We welcome individuals and families from all walks of life, and our goal is to provide you with personalized financial solutions that fit your unique needs. Not only do our members enjoy competitive rates on loans and savings accounts, but they also gain access to a variety of services tailored to help them achieve their financial goals. To find out more about the specific eligibility requirements, feel free to check out this helpful resource: Member Eligibility. When you're ready to take the next step towards membership, simply reach out to us at (515) 232-1654 or visit us at our branch located at 2811 E 13Th St Ames Ia 50010. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Managing payments shouldn't add stress to your operations. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine easily accepting payments from customers while having the peace of mind that your financial processes are smooth and efficient. Located at 2811 E 13Th St Ames Ia 50010 in Ames, IA, we're here to help your business thrive. Reach out today at (515) 232-1654 to discover how we can partner with you for success!

Tailored Loan Solutions

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. Additionally, 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.

Comprehensive List Of Services

Business Banking Support

For local entrepreneurs and businesses, River Valley also provides tailored solutions through our Business Banking services. From Merchant Services that simplify payment processing to various Business Loans, we help local businesses thrive.

Connect with Us

Ready to explore how these services can enhance your financial journey? Give us a call at (515) 232-1654, visit us at 2811 E 13Th St Ames Ia 50010, or check out our website at River Valley Credit Union. Let's work together towards achieving your financial goals!

Convenient Access and Support

Accessibility is key in today's fast-paced world. We proudly offer both online and mobile banking solutions so you can manage your accounts on-the-go. Our digital platforms enable easy access to all your banking needs right from your smartphone or computer. For those who prefer visiting us in person, our drive-thru service allows for quick deposits and withdrawals without needing to step inside the branch. You can trust that whether online or in-person, we prioritize your convenience and satisfaction.

Credit Solutions

Sometimes life throws unexpected challenges your way. Our Personal Loans & Debt Consolidation services are designed to assist you during those times when you need extra financial help. With straightforward terms and guidance from our friendly staff, we will work together to find the best solution for your situation. Moreover, for those looking to earn rewards while spending, we offer Credit Cards with Rewards that cater to your lifestyle preferences. You can earn points on every purchase that can be redeemed for travel, merchandise, or even cash back!

Personal Banking Services

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including Checking & Savings Accounts. Whether you're saving for a special occasion or need a reliable checking account for everyday expenses, we've got you covered. Imagine effortlessly managing your money with our online and mobile banking features, which let you check balances, transfer funds, and pay bills from anywhere. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing services can help make that dream a reality. With competitive rates and flexible terms, driving off in your new car is easier than ever. Plus, if you're looking to buy or refinance a home, our Mortgage Loans & Refinancing options provide the support you need throughout the process.

Digital & Online Banking

At River Valley, we understand that banking should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to meet your needs, anytime and anywhere. With our user-friendly online platform, you can easily manage your finances from the comfort of your home or on the go. Our online banking services are available 24/7 at https://www.rvcu.org/, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also take advantage of our electronic signature authorization feature, which makes signing documents quick and hassle-free no need for printing or mailing. Additionally, we provide e-statements so you can access your financial information securely without the clutter of paper statements. This not only saves trees but also keeps your information organized and readily accessible at any time. For those who love the ease of mobile payments, our services include this feature too! Whether you're shopping in-store or online, making transactions is just a tap away with your smartphone. Plus, our dedicated mobile application ensures that all these features are right at your fingertips. Download it today to experience banking on the go! Need to send money to friends or family? Our person-to-person transfer service makes it simple to send cash quickly and securely. Just a few clicks and your funds are transferred perfect for splitting bills or sending gifts. At River Valley, we prioritize your security while ensuring that managing your finances is easy and efficient. Experience the freedom of real-time account management with our digital banking services today!

Financial Strength

Commitment to Growth

With $8,184,075 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 your financial goals across various sectors with $1,571 in used auto loans and $66,237,098 in total loans and leases. Our performance insights reflect our operational efficiency as seen with our net income of $253,294, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Trust

Total Share and Deposit Accounts: 15,614, show a strong and growing member base that trusts us with their finances. This trust is the cornerstone of our commitment to you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River Valley is your trusted partner. Visit us at 2811 E 13Th St Ames Ia 50010 or call (515) 232-1654 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.

Secure Savings Options

Members' savings are secured through $28,058,031 in share certificates and $22,175,389 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.

Solid Financial Health

With a net worth of $11,889,966, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.21% 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 $25,592,428 in used vehicle loans and $14,087,084 in new vehicle loans already helping members get on the road. We aim to simplify the car buying process so you can drive away with confidence.

Credit Lines and Unsecured Loans

For those who need extra flexibility, we also provide credit lines with a total available amount of $12,713,392. Additionally, our unsecured credit card loans total $746,365, helping members manage their finances effectively without collateral requirements. At River Valley, we believe in providing options tailored to your financial situation. If you're considering refinancing or exploring eligibility options, our team is ready to assist you in finding the best path forward. Feel free to reach out if you have any questions or need assistance. You can contact us at (515) 232-1654 or visit us at our branch located at 2811 E 13Th St Ames Ia 50010 in Ames, IA. 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're dedicated to being your trusted partner in achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,498,731, make buying or refinancing simple. We're here to guide you through each step, ensuring that you feel informed and supported throughout your journey.

Loan Aggregator

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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 fair and transparent offers for all users. Each loan comparison reflects current market conditions, giving users an accurate view of available options.

RIVER VALLEY CREDIT UNION - Ames, IA

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