River Valley Credit Union Ada MI | Best Auto Loans & Personal Banking

Introduction

Welcome to River Valley Credit Union, your trusted financial partner located at 7177 Headley St SE, Ada, MI 49301. Since our establishment in 1965, we've been dedicated to serving our community with integrity and care. With a proud membership of 9,699, we focus on providing personalized banking solutions that cater to your unique needs. At River Valley, we understand the importance of financial security. That's why we have built a solid foundation with total assets of $119,583,170 and total deposits amounting to $7,241,939. Our commitment to our members is reflected in our net worth of $13,481,216 and available cash in hand totaling $1,059,422. Whether you're looking for auto loans or personal banking services, we've got you covered with a range of options tailored just for you. Our leadership team is dedicated to fostering a supportive environment. Led by CEO Janelle Franke and Board President Kurt Hansen, our experienced staff of 31 employees is here to assist you every step of the way. We take pride in being an active part of the Ada community and aim to make a positive impact on the lives of our members. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 493, Ada, MI 49301. If you're ready to experience exceptional service and innovative financial solutions, don't hesitate to reach out! Call us at 616-787-7481 or explore more about what we offer by visiting our website at River Valley Credit Union. Join us today and become part of a community that puts you first!

Branch History & Mission

Join Us!

As we continue this journey together, we invite you to become part of the River Valley family. Experience personalized service and a commitment to your financial well-being that sets us apart from traditional banks. Explore all that we have to offer at our website or give us a call at 616-787-7481. Join us today and discover how River Valley Credit Union can help you thrive financially while staying connected to your community!

Our Mission

At River Valley Credit Union, our mission is to enhance the lives of our members by providing comprehensive financial solutions tailored to their unique needs. We believe that everyone deserves access to quality financial services that foster growth and security. By focusing on education and responsible lending practices, we aim to help our members achieve their financial goals. We take pride in being an active part of the Ada community. Our outreach programs and partnerships with local organizations allow us to give back and support initiatives that matter most to our members. Whether it's sponsoring community events or offering financial literacy workshops, we are committed to making a positive impact.

Our Story

River Valley Credit Union began its journey with a simple mission: to empower individuals and families through accessible financial services. Over the years, we have evolved significantly, expanding our offerings and enhancing our member experience. Today, we proudly hold over $119 million in assets and provide a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Our dedication to customer service is evident in our operating hours; we are here for you Monday through Friday from 9:00 AM to 5:00 PM. Our drive-thru banking option adds convenience for those on the go, ensuring that you can manage your finances with ease. While members can visit us at our physical location in Ada, official correspondence should be sent to PO Box 493, Ada, MI 49301 if different from our branch address.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch complies with ADA standards, featuring ramps and clear signage to help everyone navigate comfortably. Parking is ample and conveniently located close to the entrance, allowing for a smooth visit. While you can stop by our branch at 7177 Headley St SE for personal assistance, please note that any official correspondence should be sent to our mailing address: PO Box 493, Ada, MI 49301.

Convenient Access and Services

At River Valley, we understand how important it is to have access to your finances whenever you need them. That's why we offer a range of services tailored to fit your lifestyle. Our lobby hours are from Monday to Friday, 9 AM to 5 PM, so you can visit us during the week without disrupting your schedule. If you prefer quick transactions, take advantage of our drive-thru service for deposits and withdrawals. For those on the go, we have an ATM available right outside our branch, making it easy for you to access cash anytime. Plus, if you're a member of another credit union, feel free to utilize our shared service center for basic transactions.

Join Us Today!

We invite you to come by River Valley Credit Union and discover how we can assist you with personal banking services such as checking and savings accounts, auto loans, mortgage options, and more! If you have any questions or want to learn more about what we offer, don't hesitate to give us a call at 616-787-7481. Your financial journey starts here stop by today!

Member Eligibility

Joining the River Valley family is an exciting step towards becoming part of a community that truly cares. At River Valley, we believe in making banking accessible and welcoming for everyone. To become a member, you simply need to live, work, or worship in our service area, which encompasses a vibrant range of communities. If you're unsure about your eligibility or want to know more details, feel free to visit our website at River Valley Credit Union for the most current information. Opening an account is a breeze! You can get started by giving us a call at (616) 787-7481, and one of our friendly team members will guide you through the process. Whether you're looking for personal banking options like checking and savings accounts or loans tailored to your needs, we have something for everyone at our branch located at 7177 Headley St Se Ada Mi 49301. We can't wait to welcome you as a member and help you achieve your financial goals!

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 also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine being able to purchase new equipment or expand your workspace without the stress of finding the right funding. Our loans can help turn those dreams into reality. With tailored options designed for different business needs, we ensure that you have access to the capital necessary for success.

Merchant Services

In addition to loans, we offer merchant services that make transactions simple and efficient. Picture this: You've just made a sale, but managing payments can be overwhelming. Our merchant services streamline this process, allowing you to focus on what matters most growing your business. Located at 7177 Headley St Se Ada Mi 49301 in Ada, MI, our team is dedicated to providing personalized service and support. If you're ready to explore how our business banking solutions can empower your company, give us a call at (616) 787-7481. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash in a hurry? We have ATM services available for quick withdrawals and balance checks. If you prefer face-to-face service but are short on time, take advantage of our basic drive-thru banking where you can handle deposits and withdrawals efficiently.

Business Banking

For our business members, we provide comprehensive business banking services including merchant services and business loans tailored to help your company thrive. We know how important it is for small businesses to have reliable financial support, and we're here to partner with you every step of the way.

Credit and Loans

In addition to vehicle financing, we understand that sometimes unexpected expenses arise. That's why we offer personal loans and debt consolidation options to help you regain control over your finances. For those who love rewards, our credit cards with rewards allow you to earn points on everyday purchases that can be redeemed for exciting benefits.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or making payments through our secure system, you'll find it all at your fingertips.

Personal Banking Solutions

We offer personal banking options that make managing your money easy and accessible. With our checking and savings accounts, you can keep your funds organized while earning interest on your savings. If you're thinking about buying a new car, our auto loans and vehicle financing options are designed to help you get behind the wheel without breaking the bank. Plus, if you're considering homeownership or need to refinance, our mortgage loans provide competitive rates to make your dream home a reality.

Shared Branching Access

As part of our commitment to accessibility, we offer shared branch transactions, meaning members from partner credit unions can also benefit from our services. This includes simple deposits and withdrawals without any hassle. At River Valley, we strive to make banking easy and convenient for all our members. If you have questions or want to explore how any of these services can work for you, don't hesitate to reach out! Call us at (616) 787-7481, visit us in person at 7177 Headley St Se Ada Mi 49301, or check out more details on our website at https://www.rivervalleycu.org/. We look forward to serving you!

Digital & Online Banking

Key Services for Your Convenience

Our online banking services allow you to enjoy features that make financial management simple. You can set up electronic statements, which means no more paper clutter. Plus, with electronic signature authorization, signing documents is quick and hassle-free. If you like the idea of handling transactions on the go, our mobile application is perfect for you! It provides easy access to all your accounts right from your smartphone or tablet. You can even send money to friends or family with our person-to-person transfer feature no cash needed!

Security You Can Trust

We prioritize your security in every transaction. Our online banking platform uses advanced security measures to protect your information so that you can bank confidently. Whether you're checking your balance late at night or sending money during lunch breaks, rest assured that your data is safe with us. At River Valley, we aim to provide accessible and user-friendly solutions that fit into your busy lifestyle. With features like e-statements and the ability to manage everything from one app, you'll find it easier than ever to stay on top of your finances. Join us today and experience the convenience of modern banking!

Financial Strength

Community Trust

Total Share Accounts stand at 22,898, showing a strong and growing member base that trusts us with their finances. Our commitment to transparency and sound management practices reassures you that your money is safe with us. 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 7177 Headley St Se Ada Mi 49301 or call (616) 787-7481 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.

Member-Centric Savings

Members' savings are secured through $13,748,160 in share certificates and $16,561,421 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,596,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance reflects operational efficiency with a net income of $599,349, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 27 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $12,753,576 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals with $1,507 in used auto loans and $75,958,479 in total loans and leases.

Solid Financial Health

With a net worth of $13,481,216, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,127 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 $30,426,990 in used vehicle loans and $7,379,331 in new vehicle loans already helping members get on the road. We make it easy for you to drive away in the vehicle you want with flexible terms and competitive rates.

Credit Lines and Unsecured Loans

Managing day-to-day expenses is straightforward with our total credit lines available at $32,000,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $2,683,616 in loans helping members manage their finances effectively. This can be a great option for those looking to consolidate debt or cover unexpected costs without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,498,970, make buying or refinancing simple. We guide you through every step of the process to ensure that you find the right mortgage solution for your needs.

Refinancing Options

If you're considering refinancing any existing loans, we provide options that can lower your monthly payments or reduce your interest rates. It's worth exploring how refinancing could help you save money over time. Our team at River Valley, located at 7177 Headley St Se Ada Mi 49301, is ready to assist you in finding the loan product that best fits your needs. Feel free to give us a call at (616) 787-7481 during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. For more information about our services and loan offerings, visit us online at https://www.rivervalleycu.org/ . 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 here to help you navigate your financial journey!

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RIVER VALLEY CREDIT UNION