River Valley Credit Union Springboro OH | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to River Valley at our Springboro Branch, located conveniently at 25 W Central Ave, Springboro, OH 45066. Since opening our doors in 1949, we have proudly served our community with a commitment to financial well-being and member satisfaction. With a robust membership of 25,792, we are not just a credit union; we are a part of your family. At River Valley, we believe in the power of community. Our total assets stand at an impressive $473,080,806, reflecting our dedication to providing valuable services tailored to meet your needs. Whether you're looking for personal banking options, auto loans, or business financing solutions, our experienced team is here to guide you every step of the way. Our leadership team is focused on creating a welcoming environment where members feel valued. Led by CEO Lee Spivey and Board President Daniel Gorman, we prioritize transparency and integrity in all our dealings. We're proud to maintain a net worth of $52,487,623 and total deposits reaching $24,704,077, showcasing our financial stability and reliability. While members can visit us at our Springboro location, official correspondence should be sent to 505 Earl Blvd, Miamisburg, OH 45342. If you have any questions or need assistance, don't hesitate to reach out at 937-859-6260. Our friendly staff is here Monday through Friday from 9 AM to 5 PM and Saturday mornings until noon. Join us as we continue to build a stronger community together. Explore our services today by visiting River Valley's website or stop by to experience the personalized service that sets us apart!

Branch History & Mission

Commitment to Innovation

In today's world, we understand the importance of digital convenience. That's why we've embraced technology by offering online banking services, mobile applications for easy access on-the-go, and various features such as person-to-person payments. With ADA compliance and customer-focused initiatives at the heart of what we do, we strive to ensure that every member feels welcomed and valued.

Community Engagement

Our commitment extends into the community where we actively participate in various outreach efforts. We believe that by working together with local organizations and engaging in community service projects, we can make a significant impact on people's lives right here in Springboro. Join us at River Valley! Experience firsthand how we can support your financial journey while making a positive difference in our community. For more information or to become a member today, give us a call at 937-859-6260 or visit our website at River Valley Credit Union. Together, let's build a brighter future!

Mission Statement

At River Valley, our mission goes beyond just offering financial products; we are dedicated to empowering our members and enhancing their lives. We aim to provide accessible financial services while actively supporting local initiatives that make Springboro a better place for everyone. We believe that by investing in our community through outreach programs and partnerships with local organizations, we can create lasting change. While members can visit us at 25 W Central Ave for all their banking needs, official correspondence should be sent to our mailing address at 505 Earl Blvd, Miamisburg, OH 45342.

Our Journey

From the very start, River Valley was built on the principles of community support and member-centric service. We have continuously evolved to meet the changing needs of our members while maintaining our commitment to providing personalized financial solutions. In addition to traditional banking services like checking and savings accounts, we offer auto loans, mortgage financing, personal loans, and credit cards with rewards. Our growth reflects not only our dedication but also the trust that our community has placed in us over the decades.

Branch Location & Accessibility

Call Us Today!

Have questions or need assistance? Don't hesitate to give us a call at 937-859-6260. Our friendly team is eager to help you navigate your financial journey. Visit us today and experience the personalized service that sets River Valley apart!

Convenient Access

At River Valley, we understand that accessibility is key. Our branch is designed with all members in mind, featuring ADA-compliant entrances and parking spaces to ensure everyone can enjoy our services without hassle. We offer both drive-thru banking and ATM access, making it simple for you to handle deposits and withdrawals on the go. Whether you prefer to pop in during your lunch break or use our drive-thru for a quick transaction, we've got you covered!

Operating Hours & Services

Our lobby hours are from 9 AM to 5 PM Monday through Friday, with special drive-thru hours on Saturdays from 9 AM to 12 PM. We're here to serve you during these convenient times! As a member of River Valley, you can take advantage of a wide range of services including personal banking accounts, auto loans, mortgage options, and even business banking solutions. Plus, our shared service center allows members from partner credit unions to access basic transactions right here at our branch. While members can visit us at our main address in Springboro for all their banking needs, any official correspondence should be directed to our mailing address: 505 Earl Blvd, Miamisburg, OH 45342.

Member Eligibility

At River Valley, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple! If you live, work, or attend school in the area, you're likely eligible to join us. We welcome individuals from all walks of life, and our membership criteria are designed to be inclusive and straightforward. You can find more detailed information about eligibility on our website at . Once you're ready to take the next step, opening an account is a breeze! Just give us a call at (937) 859-6260, or visit us at our convenient location at 25 W Central Ave Springboro Oh 45066. Join us today and discover the benefits of being part of River Valley, where your financial well-being is our top priority!

Business Banking & Commercial Services

Loan Options for Growth

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 That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions so you can focus on what you do best serving your customers. From credit card processing to mobile payment options, we provide tools that streamline operations and enhance customer satisfaction. Located at 25 W Central Ave, Springboro, OH 45066, our team is ready to help you unlock your business potential. Call us today at 937-859-6260 to explore how River Valley can be your partner in success!

Comprehensive List Of Services

Business Banking Solutions

If you're an entrepreneur or small business owner, River Valley is here to support you too! Our business banking services include merchant services that simplify payment processing and business loans designed to help you grow your venture.

Convenient Access Points

Your convenience is important to us. Our branch features an ATM for easy cash withdrawals and balance checks. For simple transactions like deposits or withdrawals, take advantage of our drive-thru service. We also participate in shared branching, which means if you're a member of another participating credit union, you can conduct basic transactions at our location.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only help you build credit but also reward you for everyday purchases with points that can be redeemed for various perks.

Final Thoughts

At River Valley, we're more than just a bank; we're your partner in financial success. Our team is always ready to assist you with any questions or needs you may have. For more information about our services or to speak with someone directly, give us a call at 937-859-6260 or visit us online at River Valley. Let's work together towards achieving your financial goals today!

Personal Banking Services

We understand that personal finance can be overwhelming. That's why we offer various checking and savings accounts designed to fit your lifestyle. With our online and mobile banking, managing your money is just a few taps away. You can check balances, transfer funds, and pay bills anytime, anywhere. When it comes to purchasing a vehicle, our auto loans and vehicle financing options help you drive off with confidence. We offer competitive rates and flexible terms tailored to your budget. If you're considering buying a home, explore our mortgage loans and refinancing options that can make homeownership a reality. For those unexpected expenses or plans that require extra funds, our personal loans and debt consolidation services provide quick access to cash while helping you manage existing debts effectively.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is the ability to send money quickly and securely through person-to-person transfers. Need to settle a bill with a friend? It's as easy as sending a text! Additionally, with electronic signature authorization available, signing documents has never been simpler or more secure. We also offer e-statements so you can keep track of your finances without the clutter of paper statements. This not only helps the environment but also gives you real-time access to important information about your accounts. For members who love using their smartphones for payments, we support mobile payments too! You can make purchases directly from your device no need for cash or cards. At River Valley, we prioritize your security while making sure that managing your finances is straightforward and hassle-free. Our commitment to providing accessible and innovative digital banking options means that you can enjoy peace of mind knowing that your financial needs are met efficiently and effectively. Start exploring today!

Financial Strength

A Committed Team Ready to Serve You

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 and committed team. The strength of our workforce translates into excellent service for all our members.

Growing Together

With a total of 51,733 share accounts, we have built a strong and growing member base that trusts us with their finances. Our commitment to your financial well-being drives 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 25 W Central Ave Springboro OH 45066 or call 937-859-6260 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are our priority. 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 focus on benefiting our members ensuring that your resources work harder for you.

Reinvesting in Member Services

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. This dedication means that your experience with us is continually improving as we adapt to meet your needs.

Strong Financial Health

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.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors. We have $6,163 in used auto loans and a total of $364,215,358 in loans and leases, which means we're here to help you finance what matters most to you whether it's a new vehicle or another important purchase. Our operational efficiency is reflected in our impressive net income of $2,690,497, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans, helping countless members get on the road with confidence. Whether you're interested in financing a brand-new model or a dependable used vehicle, we have options that will fit your budget.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans total $25,089,732. These loans are designed to empower entrepreneurs like you to take your business to the next level. We invite you to learn more about our loan offerings by visiting us at our branch located at 25 W Central Ave, Springboro, OH 45066, or give us a call at 937-859-6260. We're here to assist you with any questions you may have regarding refinancing or eligibility options for any of our products. 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 journey towards financial stability starts here with River Valley!

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process for you. We offer various loan types, including Junior Lien 1-4 Family Residential Properties loans totaling $16,427,971. Whether you're buying your first home or looking to refinance an existing mortgage, we can help guide you through every step.

Unsecured Credit Card Loans

Managing finances can sometimes be tricky. That's why we also offer flexible terms on unsecured credit card loans. With a total of $11,166,472 in loans available, our credit cards help members manage their expenses while building credit effectively.

Loan Aggregator

Benefits of Using LendMesh

One of the key features of LendMesh is its focus on providing verified data. All loan offers come from legitimate financial institutions, enhancing the transparency of the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions; instead, it aims to deliver unbiased results that reflect true market conditions. With real-time rate comparisons, users can access up-to-date loan rates from multiple institutions. This feature helps individuals make well-informed decisions about which loans best suit their needs. Thousands of users trust LendMesh for their loan comparisons. For example, one satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Ensuring Accurate Comparisons

LendMesh stands out by ensuring that all loan data is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence is based on the latest results, which you can verify at NCUA. By using only verified institutions, LendMesh guarantees fair and transparent offers, making it easier for users to make informed choices about their loans.

Take Action

If you're ready to explore your loan options with confidence, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

RIVER VALLEY CREDIT UNION