River Valley Credit Union Edmore MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to River Valley, your trusted credit union in the heart of Edmore, Michigan! Located at 1369 Industrial Park Dr, Edmore, MI 48829, we have proudly served our community since 1965. With a commitment to providing exceptional financial services, we are dedicated to helping our members achieve their financial goals. At River Valley, we believe in the power of community. We currently support 9,699 members and manage a robust portfolio with total assets of $119,583,170. Our team is here to assist you with a wide range of services including checking and savings accounts, auto loans, mortgage loans, and personal loans. Under the leadership of our CEO, Janelle Franke, and Board President Kurt Hansen, our experienced staff of 31 employees is always ready to offer personalized service. We're proud to report that our total deposits stand at $7,241,939, reflecting the trust our members place in us. Additionally, our net worth of $13,481,216 showcases our solid financial standing. While members can visit us at our branch for face-to-face interactions and transactions including basic drive-thru banking official correspondence should be sent to our mailing address: PO Box 500, Edmore, MI 48829. Whether you are looking for financial advice or a new loan option from our total loans portfolio of 5,241, River Valley is here for you. Visit our website at River Valley Credit Union or give us a call at 989-427-5621. Let us help you navigate your financial journey with confidence!

Branch History & Mission

River Valley has a rich legacy of serving the Edmore community since its inception in 1965. Nestled at 1369 Industrial Park Dr, Edmore, MI 48829, our branch has grown alongside its members, evolving to meet their financial needs while remaining deeply committed to community support. With nearly 10,000 members and total assets reaching $119,583,170, we pride ourselves on being more than just a financial institution; we are a vital part of the local fabric. Over the decades, River Valley has marked several key milestones that reflect our dedication to our mission. From expanding our services to include personal banking, auto loans, mortgage loans, and business banking solutions, we have continually adapted to provide comprehensive financial services. Our commitment to member satisfaction is evident in our operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM ensuring that we are available when you need us most. At River Valley, our mission is clear: to empower our members through accessible financial solutions while fostering a spirit of community. We believe that everyone deserves the opportunity for financial stability and growth. This philosophy drives us to support local initiatives and partnerships that uplift our neighbors and strengthen the Edmore area. While members can visit us at our branch address, official correspondence should be sent to PO Box 500, Edmore, MI 48829. Our branch also features convenient drive-thru banking services for quick transactions and a shared service center for added accessibility. In today's digital world, we understand the importance of offering modern banking solutions. Our online banking platform allows members to manage their accounts easily from anywhere. Additionally, we provide mobile applications for on-the-go banking access, ensuring our services are both user-friendly and efficient. As we look forward to the future, we invite you to join River Valley. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused credit union dedicated to making a difference. Together, let's build a brighter financial future! For more information or assistance, please call us at 989-427-5621.

Branch Location & Accessibility

Accessibility Features

At River Valley, we prioritize your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Plus, if you're driving in, ample parking space is available right outside our doors.

Get in Touch

Our friendly team is ready to assist you! If you have any questions or want more information about our services, feel free to call us at 989-427-5621. We look forward to welcoming you at River Valley in Edmore!

Operating Hours

We know that life can get busy! That's why our lobby hours are tailored to fit your schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. Whether you need assistance with personal banking or have questions about our services, we're here to help during these hours.

Services Offered

At River Valley, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you prefer quick transactions, take advantage of our drive-thru banking service for deposits and withdrawals. For members of partner credit unions, our shared service center allows for basic transactions as well. While members can visit us at 1369 Industrial Park Dr for all their banking needs, official correspondence should be sent to PO Box 500, Edmore, MI 48829.

Member Eligibility

At River Valley, we believe that becoming a member is like joining a family where your financial needs are met with care and understanding. If you're looking to join us, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in our local community. We're here for everyone in the area, offering you the chance to benefit from our friendly services and competitive rates. Becoming a part of River Valley not only gives you access to personalized banking solutions but also makes you part of a supportive network committed to helping each other thrive. Ready to take the next step? Opening an account with us is straightforward and welcoming! For detailed eligibility criteria, please check out this resource. If you have any questions or need assistance, don't hesitate to give us a call at (989) 427-5621. We look forward to welcoming you at our branch located at 1369 Industrial Park Dr Edmore Mi 48829!

Business Banking & Commercial Services

Merchant Services that Make a Difference

Imagine streamlining your payment process so you can focus on what matters most running your business. Our merchant services offer practical solutions that simplify transactions and enhance customer experiences. From easy credit card processing to comprehensive reporting tools, we ensure you have everything you need to manage your finances effectively. Visit us at 1369 Industrial Park Dr, Edmore, MI 48829, or call us at 989-427-5621 to discover how River Valley can support your business banking needs. Together, let's build a brighter future for your business!

Supporting Local Businesses

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 $1 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

For business owners, River Valley offers robust solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to assist you every step of the way.

Convenient Access

We believe banking should be convenient. With our drive-thru banking, you can quickly handle deposits, withdrawals, and other simple transactions without leaving your vehicle. Plus, if you're a member of another credit union in our network, you can access basic shared branch transactions right here at our location. At River Valley, we prioritize digital banking features that make it easy for members to manage their finances anytime, anywhere. With options like person-to-person payments and electronic statements, staying on top of your finances has never been easier. In conclusion, whether you're in Edmore or the surrounding areas, River Valley is here for all your financial needs. If you're ready to explore how we can help you achieve your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us today at 989-427-5621, or visit us online at River Valley. We look forward to serving you!

Credit Solutions

We understand that life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services can help ease financial burdens. Need a boost in your purchasing power? Our credit cards with rewards let you earn points on everyday purchases while providing you flexibility.

Personal Banking Services

Our personal banking services cater to various member needs. We offer checking and savings accounts that make managing your money straightforward and efficient. Imagine having a checking account that not only keeps your funds safe but also provides easy access through our online and mobile banking platforms. You can check balances, transfer funds, and even pay bills right from your smartphone or computer. When it comes to financing big purchases, our auto loans and vehicle financing options are designed with you in mind. Picture yourself driving off in that new car with manageable monthly payments that fit within your budget. For those looking to buy homes or refinance existing mortgages, our mortgage loans provide competitive rates and personalized service.

Digital & Online Banking

Key Features

Our online banking service allows you to easily monitor your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. Plus, with the option for electronic signature authorization, signing documents is hassle-free and secure. We also provide e-statements, so you can go green by receiving your bank statements electronically. This not only helps the environment but also keeps your information safe and easily accessible. For those who prefer using their smartphones, our mobile application is available for download, bringing all these features right to your fingertips.

Security and Convenience

Security is a top priority at River Valley. Our online banking services are protected with advanced security measures to ensure that your personal information stays safe. You can manage your accounts in real time, giving you peace of mind whether you're checking balances or making transactions. If you're interested in mobile payments, while this feature isn't currently available at River Valley, we offer many other user-friendly options that make banking easy and efficient. In today's fast-paced world, having reliable access to your finances is essential. With our comprehensive suite of digital banking tools, River Valley makes it easier than ever to stay on top of your financial needs. Join us today and experience the convenience for yourself!

Financial Strength

Efficient Operations

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

Growing Member Trust

We have built a strong community with 22,898 total share accounts, showing that more people trust us with their finances every day. This trust underpins everything we do at River Valley. 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 1369 Industrial Park Dr Edmore MI 48829 or call 989-427-5621 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Our Solid Financial Foundation

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 11.27% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Your Benefit

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. Our lending capacity supports your financial goals with $15,307,895 in used auto loans and a total of $75,958,479 in loans and leases available to help you achieve your aspirations.

Loan Offering

Additional Options

For those seeking flexibility or exploring refinancing options, we are here to guide you through eligibility requirements and available products that meet your financial situation. If you're a business owner, while currently we do not have outstanding commercial loans available at this branch location, we remain committed to supporting our community and its growth. You can always reach us at 989-427-5621 for more information about our loan products or to discuss how we can help you meet your financial needs. Visit us at 1369 Industrial Park Dr Edmore Mi 48829, or check out our website at River Valley for additional details. 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 support you every step of the way in your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $30,126,014 in auto loans already helping members get on the road. We provide competitive financing options for both new and used vehicles. If you're interested in purchasing a new vehicle, we have $7,379,331 available for new vehicle loans. For those considering a pre-owned car, our used vehicle loans total $30,426,990.

Credit Card Loans

Managing finances effectively is essential for everyone. That's why we also offer flexible terms on unsecured credit card loans, with a total of $2,683,616 in loans helping our members navigate their monthly expenses easily. Our credit cards come with rewards and benefits designed to suit your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,498,970. This means whether you're looking for your first home or refinancing your current mortgage, we can assist you through every step of the process.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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RIVER VALLEY CREDIT UNION