River Valley Credit Union Dayton OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to River Valley, your trusted partner in personal and community banking located at 3927 Indian Ripple Rd, Dayton, OH 45440. Established in 1949, we have grown alongside our members, proudly serving a community of over 25,792 individuals. With total assets exceeding $473 million, we are committed to providing you with the financial resources you need to achieve your goals. At River Valley, we believe in making banking straightforward and accessible. Whether you're looking for personal banking options like checking and savings accounts, or financing solutions such as auto loans, mortgages, and credit cards with rewards, our dedicated team is here to assist you every step of the way. We also offer business banking services tailored to meet the unique needs of local entrepreneurs. While members can visit us at our branch address, official correspondence should be sent to 505 Earl Blvd, Miamisburg, OH 45342. Our commitment to community extends beyond just numbers; our leadership team led by CEO Lee Spivey and Board President Daniel Gorman works tirelessly to ensure that every member feels valued and supported. With a net worth of $52 million and cash on hand totaling $6 million, we are financially sound and ready to help you navigate your financial journey. Our range of services includes not only traditional banking but also online and mobile banking options for your convenience. We invite you to experience the difference that a member-focused credit union can make in your financial life. Feel free to reach out via phone at 937-859-6260 or visit us during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM (closed on Wednesdays). Let us partner with you for a brighter financial future!

Branch History & Mission

Welcome to River Valley, a credit union with a rich legacy and a commitment to serving our community in Dayton, OH. Since our founding in 1949, we have grown from humble beginnings into a trusted financial partner for over 25,000 members. Located at 3927 Indian Ripple Rd, near the bustling neighborhoods of Beavercreek and Kettering, we have become an integral part of this vibrant community. Our mission at River Valley is clear: to provide exceptional financial services while fostering community support and development. We believe that everyone deserves access to affordable banking options and the tools they need to achieve their financial goals. This belief drives us to offer a wide range of services, including personal banking accounts, auto loans, mortgage options, and business banking solutions. Over the years, River Valley has achieved significant milestones. With total assets exceeding $473 million, we are proud to be a stable resource for our members. Our growth is mirrored by our commitment to innovation; we now offer online and mobile banking services that make managing finances easier than ever. From easy access to account balances via mobile apps to convenient ATM services available throughout the region, we prioritize your needs. While members can visit us at 3927 Indian Ripple Rd, official correspondence should be sent to 505 Earl Blvd, Miamisburg, OH 45342. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM, with drive-thru service available on Saturdays from 9 AM to noon. At River Valley, we are not just about numbers; we care deeply about community outreach. Our partnerships with local organizations allow us to contribute positively and directly impact lives in Dayton. Whether through educational workshops or charity events, we strive to uplift those around us. As you consider your financial future, we invite you to join the River Valley family. Experience personalized service from our dedicated team led by CEO Lee Spivey and Board President Daniel Gorman. Together, let's build a brighter financial future one member at a time! Call us today at 937-859-6260 or visit our website for more information on how we can serve you better.

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance before visiting us, feel free to give us a call at 937-859-6260. We're excited to help you achieve your financial goals! Come by today and discover how River Valley Credit Union can serve you better!

Operating Hours

We want to make banking as easy as possible for you. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with a special early closure on Wednesdays. For those who prefer drive-thru services, we're open Saturday mornings from 9:00 AM to 12:00 PM. Whether you need help with personal banking or want to discuss auto loans and refinancing options, our friendly staff is here to assist you.

Services Offered

At River Valley Credit Union, we offer a range of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our ATM is available for cash withdrawals anytime you need it, making transactions quick and convenient. Additionally, we provide drive-thru banking for simple transactions like deposits and withdrawals.

Visit Us

While members can visit us at our main branch address, official correspondence should be sent to our mailing address at 505 Earl Blvd, Miamisburg, OH 45342. This ensures that all communications reach us promptly. Our branch features ample parking for your convenience, and we prioritize accessibility for all our members. With ADA-compliant ramps and facilities, everyone can feel welcome and comfortable during their visit.

Member Eligibility

At River Valley, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is easy and welcoming! If you live, work, or worship in the Dayton area, you're likely eligible to join us. We also welcome family members of current members, so even if you're not directly in our service area, you might still find a place here. Joining means accessing a range of financial products designed with your needs in mind everything from personal banking to loans and credit cards. For more detailed information on eligibility criteria, feel free to visit our website. If you're ready to take the next step and open an account, just give us a call at (937) 859-6260 or stop by our branch located at 3927 Indian Ripple Rd Dayton Oh 45440. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to expand your operations, invest in new technology, or hire more employees. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $172 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $62 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $25,089,732, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide robust merchant services tailored for your operational needs. For instance, our payment processing solutions allow you to accept payments easily and efficiently, whether online or in-store. This means you can focus on what matters most growing your business while we take care of the transactions. Located conveniently at 3927 Indian Ripple Rd Dayton Oh 45440, Dayton, OH, our team is here to assist you with personalized service. Connect with us today at (937) 859-6260 to explore how we can support your business journey!

Comprehensive List Of Services

Business Banking

For business owners in our community, we offer specialized Business Banking services including merchant services and business loans. We understand that running a business requires support and flexibility, so we're here to help you thrive.

Convenient Access

Need cash or want to make a deposit? Our ATM and cash withdrawal services ensure that you can access your funds whenever necessary. With basic drive-thru banking available for quick transactions and shared branch transactions for members of partner credit unions, managing your finances has never been easier.

Get Started Today!

At River Valley, we prioritize convenience with features like online banking and mobile payments. We're dedicated to making your banking experience as smooth as possible while providing you with the tools you need to succeed financially. Feel free to reach out to us at (937) 859-6260 or visit us at 3927 Indian Ripple Rd Dayton Oh 45440 in Dayton, OH. We look forward to helping you achieve your financial goals! For more information on all our offerings, visit us online at Beavercreek Branch.

Loans & Financing

Thinking about purchasing a new car or refinancing your home? Our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without the stress of high payments. Additionally, our Mortgage Loans & Refinancing services are here to help you secure the home of your dreams or lower your current mortgage rates. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation solutions can provide you with the financial breathing room you need. Plus, don't forget about our Credit Cards with Rewards, which offer great benefits for everyday purchases.

Personal Banking

For individuals seeking reliable options, our Personal Banking services include checking and savings accounts designed for everyday use. Imagine effortlessly managing your finances with just a few taps on your mobile phone through our robust online and mobile banking platforms. You can check balances, transfer funds, and pay bills anytime, anywhere.

Digital & Online Banking

Key Features

With our 24/7 Online Banking Services, you can check your balance, transfer funds, and pay bills anytime, day or night. Enjoy the convenience of E-Statements, which allow you to view your statements online instead of waiting for them in the mail. This not only saves paper but also keeps your financial information organized and accessible. Our mobile application is perfect for those who prefer banking at their fingertips. It's user-friendly and supports Mobile Payments, making it easy to pay for goods and services right from your smartphone. Plus, with our Person-to-Person Transfers feature, sending money to friends or family is a breeze just a few taps on your device!

Security and Convenience

Your security is our top priority. We provide Electronic Signature Authorization to ensure that all your transactions are safe and protected. You can have peace of mind knowing that your sensitive information is safeguarded while you manage your finances online. At River Valley, we believe that banking should be simple and straightforward. Our digital banking solutions empower you to take control of your financial life with ease and confidence. For more details on how you can make the most of these services, visit us at https://www.rivervalleycu.org/ today!

Financial Strength

Growing Member Trust

Total Share Accounts stand at 51,733, showing a strong and growing member base that trusts us with their finances. This trust is vital as it reinforces our commitment to you as your dedicated financial partner. 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 3927 Indian Ripple Rd Dayton Oh 45440 or call 937-859-6260 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $122,351,116 in share certificates and $79,296,720 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 reflected in our net income of $2,690,497, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 80 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $45,165,904 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is further supported by $36,421,5358 in total loans and leases. This means we're here to help you achieve your financial goals across various sectors.

Solid Financial Foundation

With a net worth of $52,487,623, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.09% 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

Additional Services

We also offer personal loans for debt consolidation and other purposes. If you're considering refinancing existing loans or want more information about eligibility options for any of our loan products, don't hesitate to reach out. Our knowledgeable staff is here to guide you every step of the way. To learn more about our loan offerings or to start your application process today, please call us at 937-859-6260. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Your financial future starts here at River Valley!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans, helping members get on the road with ease. Whether you're interested in financing a brand-new model or a reliable used vehicle, we are ready to assist you through the process.

Business Financing

For business owners looking for capital to grow and expand their ventures, we provide outstanding commercial loans totaling $25,089,732. Our team understands the challenges businesses face and is dedicated to providing support tailored to your unique circumstances.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $16,427,971, designed to help you secure the home of your dreams without added stress.

Unsecured Credit Cards

Managing everyday expenses just got easier with our flexible terms on unsecured credit card loans. With a total of $11,166,472 in loans available, you can take control of your spending while earning rewards along the way.

Loan Aggregator

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RIVER VALLEY CREDIT UNION - Dayton, OH

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