Introduction
At River Valley, we believe in building strong relationships with our members and the community. Nestled at 2098 S Alex Rd, West Carrollton, OH 45449, our Alex Loan Center has been serving the financial needs of our members since 1949. With a commitment to personal service and community support, we proudly serve over 25,792 members who trust us with their financial futures. As a member-owned credit union, we focus on your needs first. Our total assets stand at an impressive $473,080,806, reflecting our stability and commitment to growth. We offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions designed to help you thrive financially. Under the leadership of CEO Lee Spivey and Board President Daniel Gorman, our dedicated team of 83 employees is here to provide you with exceptional service. Whether you need assistance with a loan or guidance on managing your finances, we're ready to help you every step of the way. Our financial strength is evident in our total deposits of $24,704,077 and net worth of $52,487,623. With cash reserves totaling $6,074,670, we ensure that your money is safe while providing various lending options for personal and business needs. From auto financing to credit cards with rewards programs, River Valley aims to make banking easy and accessible for everyone. While members can visit us at our branch for face-to-face service during our operating hours from 9:00 AM to 5:00 PM Monday through Friday, we also offer online and mobile banking options for your convenience. Feel free to reach out to us at 937-859-6260 if you have any questions or need assistance. Join us at River Valley where your financial well-being is our priority. Visit us today or explore more about our services at River Valley Credit Union. We're excited to partner with you on your financial journey! Branch History & Mission
The story of River Valley in West Carrollton, Ohio, is one of community, growth, and commitment to service. Established in 1949, River Valley has been a cornerstone for financial well-being for over seven decades. Located at 2098 S Alex Rd, the branch offers a welcoming environment where members can access a range of services tailored to their needs. This location is easily accessible and serves as a hub for many families and individuals in the area. As River Valley has grown, so too has its dedication to its members. Today, the credit union proudly supports over 25,000 members and holds total assets amounting to $473,080,806. The mission of River Valley is clear: to provide not only exceptional financial services but also to foster a sense of community among its members. This commitment is reflected in various outreach programs and partnerships aimed at improving the lives of those in the community. Our operating hours are designed with our members' convenience in mind, from 9:00 AM to 5:00 PM Monday through Friday. Although we do not currently offer ATM or drive-thru services, our focus remains on providing personalized attention that enhances the member experience. If you need to reach us by phone, feel free to call us at 937-859-6260. River Valley's mission goes beyond banking; it's about empowerment through education and support. We believe in helping our members make informed financial decisions while offering products like personal loans, auto loans, mortgages, and business banking services. With online and mobile banking options available, we ensure that our members have access to their accounts whenever they need it. 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 at 2098 S Alex Rd, West Carrollton, OH 45449. Join us today at River Valley and experience firsthand how we can help you achieve your financial goals while being part of a supportive community. Whether you are looking for personal banking solutions or business services, we are here for you every step of the way. Together, let's build a brighter financial future!
Branch Location & Accessibility
Welcome to River Valley, your friendly neighborhood credit union located conveniently at 2098 S Alex Rd in West Carrollton, OH! We're proud to serve the community and offer a range of financial services designed to meet your needs. Whether you're stopping by for personal banking or exploring loan options, our location is easily accessible for everyone. If you need to send us any official correspondence, please use our mailing address: 2098 S Alex Rd, West Carrollton, OH 45449. Nestled in Montgomery County, our branch is just a stone's throw away from local landmarks, making it easy to combine your errands with a visit to us. With ample parking available, you can park with ease while you take care of your banking needs. We ensure that our facilities are ADA compliant, featuring ramps and other accessibility options to accommodate all members of our community. At River Valley, we value your time. Our lobby hours are open from 9:00 AM to 5:00 PM Monday through Friday, providing you with plenty of opportunities to visit us during the week. While we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is always ready to assist you inside the branch. We provide a variety of services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, as well as credit cards that come with rewards. If you're a business owner, we also have merchant services and business loans available. Plus, managing your finances is made easy with our online and mobile banking options. Ready to explore how we can help you achieve your financial goals? Don't hesitate to stop by or give us a call at 937-859-6260. We look forward to welcoming you at River Valley!
Member Eligibility
At River Valley, we believe that everyone deserves to be part of a caring and supportive community. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you're likely eligible for membership. Our friendly team at River Valley is here to help guide you through the process and answer any questions you might have. Plus, becoming a member opens the door to a variety of financial services tailored just for you, from personal banking to loans that fit your needs. To learn more about the specific eligibility requirements, feel free to visit our website. We want to make sure you have all the information you need before you take the next step. Ready to open an account? It's easy! Just give us a call at (937) 859-6260 or stop by our branch located at 2098 S Alex Rd West Carrollton Oh 45449 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. We can't wait to welcome you into our family!
Business Banking & Commercial Services
Merchant Services that Work for You
In addition to loans, we offer merchant services that make transactions easier for your business. Picture this: customers can pay quickly with various methods while you keep track of sales effortlessly. Our tools help streamline your payment processes so you can focus on what truly matters growing your business. Visit us at 2098 S Alex Rd, West Carrollton, OH 45449, or call us at 937-859-6260 to learn more about how River Valley can be your partner in success!
Tailored Loan Solutions
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.
Comprehensive List Of Services
Business Banking
For local businesses, we offer specialized business banking services including merchant services and business loans. Our goal is to help your business thrive by providing the resources you need to grow confidently.
Digital Banking & Convenience
In today's fast-paced world, convenience matters. That's why we prioritize digital banking features at Alex Loan Center. With our online and mobile banking options, managing your finances has never been easier. You can easily make transactions, pay bills, and transfer money using our secure platforms. Plus, enjoy the benefits of ATM and cash withdrawal services, giving you access to your funds whenever needed. Whether you're visiting us at the branch or accessing services online from the comfort of your home, we're here for all your financial needs. If you're ready to explore how we can support your financial goals at River Valley, feel free to reach out! Call us today at (937) 859-6260 or visit us in person during our operating hours from 9:00 AM - 5:00 PM Monday through Friday. Let's start this journey together!
Personal Banking
Our personal banking options include checking and savings accounts that help you manage your everyday finances effortlessly. Imagine having a checking account that not only makes payments easy but also offers features like online and mobile banking for on-the-go access. You can check balances, transfer funds, and even set up alerts right from your smartphone. When it comes to financing your next vehicle, our auto loans and vehicle financing solutions can get you on the road with favorable rates tailored just for you. We understand that purchasing a car is a significant decision, so we aim to make the process as smooth as possible. For those thinking about buying a home, our mortgage loans and refinancing options provide competitive rates and flexible terms. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our experienced team will guide you every step of the way.
Personal Loans & Credit Cards
If you're facing unexpected expenses or planning a big purchase, our personal loans and debt consolidation services offer financial relief with manageable repayment plans. We work with you to create a solution that fits your budget. Additionally, our credit cards with rewards give you more value on your everyday purchases. Earn points that can be redeemed for travel, merchandise, or cash back making every dollar spent count!
Digital & Online Banking
Easy Access Anytime, Anywhere
With our 24/7 online banking services available at https://www.rivervalleycu.org/, you can check your account balances, pay bills, and transfer money whenever it suits you. No need to rush to the bank during business hours; everything you need is just a click away.
Go Mobile for Extra Convenience
Our mobile application brings all these features right to your fingertips. You can make mobile payments easily, manage your accounts on the go, and even send money through our person-to-person transfer option. Whether you're out running errands or relaxing at home, banking with us is straightforward and user-friendly. In today's fast-paced world, having real-time control over your finances is crucial. With our digital banking options, you'll have the tools needed to stay organized and informed about your financial health. Join us at River Valley and experience a new level of convenience in managing your money!
Secure Transactions Made Simple
Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents quickly and securely from the comfort of your home. Plus, you can opt for e-statements, which not only save paper but also provide you with quick access to your account information without any hassle.
Financial Strength
At River Valley, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to building trust through our strong financial foundation, which is designed to serve you better. 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. 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. 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 supports members' financial goals across various sectors with $6,163 in used auto loans and $364,215,358 in total loans and leases. Our operational efficiency is reflected in our $1,114,991, 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. Net Shares (Funds available for lending and investments): $654,847. Total Share and Deposit Accounts: 51,733, showing a strong and growing member base that trusts us with their finances. 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 2098 S Alex Rd West Carrollton Oh 45449 or call (937) 859-6260 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. Loan Offering
Additional Offerings
We also provide credit lines with a total value of $103,316,283, giving you even more ways to access funds as needed. Plus, if you're considering refinancing existing loans or are curious about eligibility options, our team is ready to assist you in exploring all possibilities. With a dedicated team at River Valley located at 2098 S Alex Rd West Carrollton Oh 45449, we're here from 9:00 AM - 5:00 PM Monday through Friday to answer your questions and help you navigate our loan offerings. Feel free to reach out at 937-859-6260 for any inquiries. 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 journey looks like, River Valley is committed to providing the support and resources you need every step of the way.
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or an affordable used option, our flexible terms can fit your budget.
Business Loans
For business owners, our outstanding commercial loans totaling $25,089,732 provide the capital needed to grow and expand. We understand how important it is for businesses to have reliable financing options available.
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,427,971, make buying or refinancing simple. We provide guidance throughout the process to ensure you find the right solution for your needs.
Unsecured Credit Card Loans
Managing day-to-day expenses can be challenging, but our flexible terms on unsecured credit card loans are here to help. With a total of $11,166,472 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have access to funds when you need them.
Loan Aggregator
Benefits of Using LendMesh
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Ensuring Accurate Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that every loan offer you see is both fair and transparent. By pulling data directly from verified sources, LendMesh ensures that users receive accurate comparisons without hidden fees or misleading terms.
