River Valley Credit Union Nevada IA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to River Valley Credit Union, your trusted financial partner located at 1400 Fawcett Pkwy, Nevada, IA 50201. Established in 1961, we have been dedicated to serving our community for over six decades. With a strong membership base of 6,732 members, we pride ourselves on offering personalized financial services tailored to meet the unique needs of our community. At River Valley, we manage a robust portfolio with total assets amounting to $106,096,551 and total deposits of $18,149,969. Our commitment to financial health is reflected in our net worth of $11,889,966 and cash reserves totaling $1,254,507. We believe in empowering our members through various loan options our portfolio includes a total of 3,652 loans and leases that help individuals and families achieve their financial goals. Our leadership team is here to support you every step of the way. Under the guidance of CEO Brian Godwin and Board President Jeffrey Starnes, we ensure that our credit union remains a reliable resource for all your banking needs. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. While you can easily reach us at our branch address for all your banking inquiries, please note that official correspondence should be directed to the same address: 1400 Fawcett Pkwy, Nevada, IA 50201. Feel free to give us a call at 515-382-4141 during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. At River Valley Credit Union, we are more than just a bank; we are a community partner committed to your financial well-being. Visit our website at rvcu.org to learn more about our services or stop by today we're excited to assist you!

Branch History & Mission

Commitment to Modern Banking

In today's fast-paced world, we also prioritize convenience for our members. While you can visit us at our branch during our operating hours Monday through Friday from 9:00 AM to 5:00 PM our digital offerings ensure that banking can be done anytime and anywhere. From online banking to mobile payment options, we are dedicated to providing technology that makes managing your finances simple and efficient. For those who prefer face-to-face interactions, our drive-thru service allows for quick transactions without leaving your vehicle. Although we currently do not have ATM facilities on-site or shared service centers available, our team is always ready to assist with any inquiries you may have by phone at 515-382-4141. As we look towards the future, we invite you to join us at River Valley Credit Union. Become part of a community-focused organization that prioritizes your financial well-being while also contributing positively to Nevada. Experience firsthand how we combine tradition with innovation to serve you better. Visit us today or learn more about becoming a member by checking out our website at www.rvcu.org. Together, let's build a brighter financial future!

Our Mission

At River Valley Credit Union, our mission is clear: we strive to provide personalized financial solutions that improve the lives of our members and enhance our community. We understand that each member has unique goals and challenges. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our dedicated staff is here to guide you every step of the way. We believe in giving back to the community that supports us. River Valley actively engages in local outreach programs and partnerships that enrich the lives of those around us. Whether it's sponsoring local events or supporting educational initiatives, we are committed to making a positive impact.

Branch Location & Accessibility

Accessibility Features

At River Valley, we understand the importance of accessibility. Our branch is designed with ADA compliance in mind, featuring ramps and wide entrances to ensure everyone can enjoy our services without hassle. Plus, ample parking is available right outside, making your visit as smooth as possible.

Come Visit Us!

We invite you to stop by River Valley Credit Union today! If you have any questions or need assistance before your visit, feel free to give us a call at 515-382-4141. We look forward to welcoming you into our community-focused credit union!

Operating Hours

We're here for you during the week! Our lobby hours run from Monday to Friday, opening at 9:00 AM and closing at 5:00 PM. Whether you need to discuss your account or explore loan options, our friendly staff is ready to assist you during these hours.

Services Offered

While you're here, take advantage of our drive-thru banking services for quick deposits and withdrawals without having to leave your vehicle. Although we currently do not have ATM facilities on-site, our team is more than happy to help with any cash withdrawal needs through our teller services. From personal banking accounts to auto loans and credit cards with rewards, River Valley Credit Union offers a variety of services designed just for you. If you need to send official correspondence, please note that while members can visit us at the branch address mentioned above, official mail should be directed to 1400 Fawcett Pkwy, Nevada, IA 50201.

Member Eligibility

Joining the River Valley Credit Union family means becoming part of a warm and welcoming community that values your financial well-being. If you live, work, or worship in Story County, you're already on your way to membership! We believe that everyone deserves access to great financial services tailored to their needs. At River Valley, you can enjoy the benefits of lower fees, competitive rates, and personalized service that makes banking feel less like a chore and more like a partnership. To learn more about how to become a member, simply visit us at our branch located at 1400 Fawcett Pkwy, Nevada, IA 50201 or give us a call at 515-382-4141. You can find detailed eligibility criteria on our website at http://www.rvcu.org/about-us/become-a-member/ . We're excited to help you open an account and start enjoying all the benefits that come with being part of River Valley!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. Imagine a local bakery that started with just a few recipes and a dream. With our commercial loans, they were able to purchase new equipment and double their production capacity. This kind of support can make a real difference in helping businesses thrive.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your transactions. Picture this: you're running a busy café, and during the morning rush, you need a quick way to process payments. Our merchant services ensure that you can serve customers efficiently without delays, allowing you to focus on what matters most growing your business. Located at 1400 Fawcett Pkwy Nevada Ia 50201 in Nevada, IA, we invite you to explore how our tailored banking solutions can elevate your business. Give us a call at (515) 382-4141 or visit us today!

Comprehensive List Of Services

Business Banking Services

For small business owners, River Valley offers specialized services such as merchant services and business loans. We know running a business requires flexibility and support, so we provide financial solutions that help you thrive in today's competitive market.

Cash Access Services

Need cash on the go? While we don't have ATM availability at our branch, we do offer basic drive-thru banking services for deposits, withdrawals, and simple transactions. This allows you to conduct essential banking tasks without stepping inside the branch. At River Valley, we're here to support your financial journey every step of the way. Our friendly team is ready to assist you with any questions or concerns you may have about our services. Feel free to visit us at 1400 Fawcett Pkwy Nevada Ia 50201 or give us a call at (515) 382-4141 during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Explore how we can help enhance your financial well-being today! For more information about becoming a member or accessing our full range of services, visit us online at River Valley Credit Union.

Credit Options

We understand that life can sometimes bring unexpected expenses. That's why we offer personal loans and debt consolidation solutions to help you navigate through tough times without added stress. Plus, our credit cards come with rewards that allow you to earn while you spend perfect for those who love to shop or travel.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms let you manage your finances anytime, anywhere. Whether it's checking your balance, transferring funds, or making payments through mobile applications, our digital features ensure that your banking experience is efficient and hassle-free.

Personal Banking Solutions

Our personal banking options are tailored to fit various lifestyles. From checking and savings accounts that help you manage your everyday finances, to auto loans and vehicle financing that make purchasing your dream car easier, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing options offer competitive rates and flexible terms to suit your budget.

Digital & Online Banking

Convenient Payment Options

We know that in today's fast-paced world, convenience matters. That's why we also support mobile payments, allowing you to make purchases directly from your phone no wallet needed! It's a quick and easy way to handle everyday transactions without the hassle. At River Valley, we're dedicated to making your banking experience as effortless as possible. Explore our digital services today and see how we can help simplify your financial life!

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.rvcu.org/ , you can manage your finances whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, our mobile application makes banking even simpler. You can access all your accounts right from your smartphone, making it easy to stay on top of your finances while you're out and about.

Secure Transactions Made Simple

Security is our top priority. With features like electronic signature authorization and the ability to send person-to-person transfers, you can feel confident that your transactions are safe. Plus, we offer e-statements so you can view your account activity anytime without the clutter of paper statements. Enjoy peace of mind knowing that managing your money is secure and straightforward.

Financial Strength

Conclusion

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 1400 Fawcett Pkwy Nevada Ia 50201 or call (515) 382-4141 to learn more about how we can help you achieve your financial goals.

Dedicated Team

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. Total Share Accounts stand at 15,614, showing a strong and growing member base that trusts us with their finances.

Reinforcing Member Services

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 commitment to supporting your financial goals is reflected in our lending capacity; we currently have $1,571 in used auto loans and $66,237,098 in total loans and leases available. Our operational efficiency is evident with a net income of $624,927, which empowers us to continue offering competitive loan rates and solid financial products for our members.

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.

Strong 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. This solid foundation helps us meet our members' needs effectively. Our net worth ratio of $1,121 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. Whether you're interested in a brand-new model or a reliable used option, we can help you finance your dream vehicle with confidence.

Credit Lines

For those who need quick access to funds for unexpected expenses or planned purchases, our credit lines totaling $12,713,392 are available to give you peace of mind. This option allows you to borrow only what you need and pay interest only on what you use.

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 provide flexible terms and competitive rates to ensure that your journey to owning a home is as smooth as possible.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or want to explore eligibility options for our loan products, we're here to guide you through the process. It's easy to check if you're eligible by visiting our website at River Valley Credit Union or calling us at 515-382-4141 for more personalized assistance. Each of our loan products is designed with our members' best interests in mind. We take pride in providing supportive service and transparent information so you can make informed financial decisions. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial goals are, River Valley is committed to helping you achieve them. Visit us at 1400 Fawcett Pkwy Nevada IA 50201, and let's find the right loan solution for you today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $746,365 in loans helping members manage their finances effectively. These cards come with benefits that can assist you in budgeting and controlling your spending while earning rewards along the way.

Loan Aggregator

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RIVER VALLEY CREDIT UNION - Nevada, IA